Maniolas

Chinkee Tan Some people may choose to enjoy their hard-earned money after every payday, because of the excitement of having their own money and not depending on their parents anymore for their expenses. Nowadays, the young professionals are one of the greatest spenders in our economy. So, if you are a young professional, you gotta read this. Have you saved anything yet since your first paycheck? Or have you chosen to enjoy it for now, since you believe that you are still young? Do you want to change this habit and begin now instead? Developing the habit of spending ALL your income is not healthy. It can leave you with nothing, should the time come when you’ll need it. Saving should be your top priority, especially as a young professional. Imagine, if you start at 20 years old and you start saving P20 a week or P80 a month or P1,000 a year, for 40 years. You invest it in a mutual fund that allows you to yield 12.5% interest per annum. By the time you reach 40 years old, it will make you P1,000,000 richer! This is an example of the beauty of saving early. So you the question how you can start now? HAVE A VISION List down your long-term goals, wherein you plan ahead as to where to put your finances for, let’s say five, ten, or fifteen years from now. Will you invest it? Save for emergencies? Buy your own house? You will never be able Read More …

Corazon P. Guidote Success doesn’t come easy. Ironically, the earlier I accepted that, the easier it became. And so, for every goal I make, I take with me a set of guideposts to help me succeed. Persevere. Maintain focus. Work hard. Pray. Be flexible. Integrity matters. Celebrate milestones. Learn something new each day. Be positive, no matter what. These guideposts helped me build my career. To start with, I am one of those who didn’t know where my career would take me. Initially, I wanted to be a doctor. But because of health reasons, I ended up being an accountant; I even became a Certified Public Accountant. Oddly, I never worked in an accounting firm. Instead, I ended up working in an economic research institution and my first task was to build an econometric model. You can bet that really sounded Greek to me. What seemed incongruent directions eventually led me to a fulfilling career and jobs that eventually made sense. Though challenging, they were and continue to be very rewarding. I have worked with a total of 9 institutions–my employers being a good mix of a research institution, foreign multinationals, the Philippine government and domestic corporates. Each time, I’ve had to earn the trust and confidence of my employer. Stepping into a new job always required me to first to rely on my skill set. That alone, however, doesn’t earn trust. What does are integrity, perseverance, hard work, the willingness to learn and adjust in a new environment. When Read More …