Aug 15: Free Parenting Seminar with Queena Lee, Randell Tiongson & Francis Kong

SCHOOL TALK PHILIPPINES PRESENTS:

Today’s Issues on Academic Excellence, Values Formation & Education Funding

A parenting seminar that talks about parenting issues on: Academic Excellence, Values Formation & Education Funding.

Date: Saturday, August 15, 2009
Time: 1:00pm – 5:00pm
Location: Eastwood Cinema
City/Town: Quezon City, Philippines

Featuring: QUEENA CHUA LEE, RANDELL TIONGSON & FRANCIS KONG

to register, please go to
http://www.schooltalk.ph/forums/blog.php/school-talk-presents-todays-issues-on-academic-excellence-values-formation-education-funding/

school talk poster

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Calling All Bloggers: Sign up for a FREE Personal and Practical Finance by Randell Tiongson, RFP

Blogging and Personal Finance.  These are subjects which don’t normally go hand-in-hand. =)

RT Seminar

 

Randell Tiongson, Director of the Registered Financial Planners Institute of the Philippines will conduct a free seminar for bloggers on personal and practical finance. Randell will be talking about the various financial instruments that you can invest on so that you can break out of the “rat race”.
All you have to do is to sign-up by either leaving a comment on Carlo Ople’s blog or by e-mailing oplecarlo@gmail.com. The event will be on June 27, 2PM-5PM at the Victory Center, Promenade, Greenhills, San Juan.
Slots are limited so sign-up now.

Btw,  if you would like to take your blog to the next level,  you may want to consider enrolling in  Anton Diaz’ webinars.  Go to http://antondiaz.com/mavensecrets/ for more details. 

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Motherhood has a very humanizing effect. Everything gets reduced to essentials. ~Meryl Streep

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Another freebie from Oprah.com: Jean Chatzky’s The Difference

the-difference

I got so excited to hear the news from http://www.phbestdeals.com/:  Jean Chatzky will offer her new book, The Difference, as a free download for 24 hours exclusively on Oprah.com. The book will be available for download from 11 a.m. ET Friday until 10:59 a.m. ET Saturday. Learn the top five things you can do to thrive during tough times, myths and facts about the wealthy and what barriers stand between you and financial security.

Download your free copy here.

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Motherhood has a very humanizing effect. Everything gets reduced to essentials. ~Meryl Streep

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Setting up an Emergency Account? Automate!

 “E.Q be damned.  I want that _____!  I’ll just double my savings in the next paycheck.”

Does this sound familiar?

Over the past few months,  a few readers have gotten in touch with me, realizing the need to build their 3-6 months emergency fund.  The problem they were facing was how to operationalize this.    We are surrounded by temptation and the increased convenience in which we can get things makes it extremely difficult to exercise restraint.  It is particularly difficult for young families who, come payday, are tempted to head out and treat themselves at the nearest grocery/toy store/restaurant/spa. 

My suggestion is to automate your savings via regular scheduled transfers.  When you make things automatic,  you remove the human element,  making it more difficult for you to mess up.  There are a number of financial institutions such as ING Direct, HSBC Direct and M&T Bank which offer high-yield online savings accounts such as M&T Online Banking with low minimum maintaining balances.  Put you money in the right place.    David Bach,  author of The Automatic Millionaire said it best:  “Not earning interest on your emergency money is almost as bad as burying it in your backyard.”  

What is important is that you do your research now and get your search engine working to find the best high-yielding savings account for you.  Oh, and remember,  in addition to a great interest rate your money should not tied up for a specific length of time, giving you convenient access to your funds.  Otherwise,  it would not be an emergency fund account.  =)

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Motherhood has a very humanizing effect. Everything gets reduced to essentials. ~Meryl Streep

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Analysis Paralysis: What are the Best Financial Products for You?

Ok.  So you’ve  decided that 2009 will be the year in which you will commit yourself to putting your financial house together.   You’ve done a financial health check and discovered the vulnerable areas which need additional attention e.g  too much debt, too low a return on savings or onerous finance charges which could be restructured.   You’ve come up with an Action Plan which now needs to be implemented.

Then what?  Where do you go from there? 

The search for the best financial solution for YOU begins and quickly falters, faced with a gargantuan pile of leaflets and brochures from various financial institutions.  I wish there was a reputable Cliff’s Notes version,  wherein someone comes in,  sifts through the various products being offered and comes up with a crisp, concise, objective summary.  

Hmmmm…..welcome to the club of those stuck in analysis paralysis. 

There are a number of websites such as comparecards.com which act as product aggregators:  trawling the country to find financial institutions which offer the best CD rates, Online Savings Accounts/Checking Accounts, credit cards, mortgages, auto loans, insurance, personal finance calculators.   Go to them when searching for the best low interest credit card or for one which will allow you to balance transfer w/ no fee.  It is up to you to decide which structure is best for your financial situation.     Be sure to explore all the options available to you and most importantly, read the fine print before signing on the dotted line.    You might discover that the institution offering the best rates may not be giving you the best terms.

Not sure what is the best action point for your particular financial situation?  Grab a copy of Suze Orman’s 2009 Action Plan.   Go to the topic which worries you the most.  She cites numerous situations and suggests actions which you could take to improve your financial standard.  No matter what situation you’re in, you will find a plan of action and the answers to your questions about:

* Credit * Retirement *Savings and Spending*Real Estate*Paying for College* Protecting Your Family

 “In times of great stress, it is natural to react by making decisions and taking actions that bring instant relief.  When it comes to financial matters, often the decisions that calm us amid tumult are actions that can imperil our long-term security.” — Suze Orman

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Motherhood has a very humanizing effect. Everything gets reduced to essentials. ~Meryl Streep

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Free Ebook: Suze Orman’s 2009 Action Plan

soI bet you are scared. Angry, too. And confused.

 These are the opening lines to Suze Orman’s 2009 Action Plan:  Keeping Your Money Safe and Sound, echoing the feelings in most households around the world.    In it,  she shares advice that we can all start using today to better manage our money and start living our best life.  Suze’s approach is forward, demanding and aggressive, but that may be what some individuals need to experience.   My 2009 Action Plan is designed to make sure we are ready for the unexpected—this year and every year forward. 

No matter what situation you’re in, you will find a plan of action and the answers to your questions about:

* Credit * Retirement *Savings and Spending * Real Estate *Paying for College * Protecting Your Family

The book normally sells of $9.99 but wonderful Oprah had Suze Orman on her show today, and as part of it they are giving out a free download of Suze Orman’s 2009 Action Plan.   Yup,  that’s right,  you don’t pay a cent.  You can find more information and the download link on this page, but it’s only available until 11:59 p.m. CT on Thursday, January 15.  Please note that the book is copyrighted. You may view and download the file, but you may not copy the file or share or forward it to any other person.  So download it now, read it later and make your own Action Plan tomorrow!

You must commit to actually taking action.  This is not a book to read or pondered.  If you care about financial security for yourself and your family,  if you want to do everything in your power to protect yourself and your future,  you will not get there with wishful thinking or procrastination.  You cannot sit this one out, hoping that the storm will pass and everything will be just fine.  If you do nothing,  I am sorry to say you may be in even deeper trouble in 2010.

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Motherhood has a very humanizing effect. Everything gets reduced to essentials. ~Meryl Streep

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Warren Buffet Talks Business

Warren Buffett,  often called “The Oracle of Omaha”.  His letters to Berkshire Hathaway sharesholders have become the stuff of legends – compiled into business books and taught at business schools around the country.  If you want to become a better investor, and understand the market as a whole, do get the updated version of The Essays of Warren Buffett: Lessons for Corporate America.   

Here’s a rare 56-minute video of a lecture made at the University of North Carolina.  Do watch it and learn more about his value investing philosophy.

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Motherhood has a very humanizing effect. Everything gets reduced to essentials. ~Meryl Streep

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