CHRISTOPHER CERVANTES, RFP

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When we were in school, it was not only parents but also noteworthy students who were grade-conscious. Exam results, medals and recognitions became the bases for favors, especially during shopping sprees. Grades turned out to be the ultimate bargaining power! Students who were described as carefree and infamous, on the…

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In most of the financial planning seminars that I have conducted, I’ve always asked the audience, “Who among you want to be rich?” Definitely, all hands would be up. No one dreams of being poor. My next question, “Who among you are willing to do whatever it takes to be…

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Many people are losing jobs every day for reasons beyond their control. Even if you have a great position right now, it might not be there in six months. Like the Philippine weather that could change any time and become increasingly difficult to predict, the concept of job security is…