Check Operator Services

This is the sequel to “The Day After”…. Published in Business Mirror and the original can be found here.

Check Operator Services

In my previous article, entitled “The day after,” I discussed how we should be very conscious about where our money goes on a regular basis. In said article, I brought up the concept of “stealth expenses”—or those small expenses we normally ignore but which can pile up if left uncontrolled.

Two examples that I used were DVD’s and parking fees—items that a lot of us pay for every day with hardly a thought but which can really become burdensome over the long term. With that in mind, let’s continue with another example of a “stealth expense” as well as some methods by which we can track and control.

The Day After

No, it’s not the disaster movie that came out some time ago… Rather, it’s the first of a two-part piece that I wrote for Business Mirror some time back.  The original can be found here

The Day After

It’s the day after payday. Do you know where your money is?

A common complaint among salaried workers is that they often don’t know where there money goes. Quite often, employees feel that right after their wages arrive, it gets whisked away without them being able to even hold or savor it. With that in mind, let us then try to find just exactly where your money goes.

Credit cards

The very first place anyone should look for their money is in their credit card statements. Ideally, each person should only have two credit cards; one Mastercard and one Visa. Anything beyond that is an unnecessary expense. This is because, after the first year, most credit cards will charge an annual fee and those fees can rack up if an individual has four or five different credit cards.

What We Do

The following is a piece I wrote for Business Mirror a couple years back.  The original can be found here and was printed on 12/04/2006.

What we do

In a nutshell, RFPs, as the name implies, design financial plans for people. We make them plans and strategies that will allow them to achieve their personal financial goals within their desired time frame.

For example, assume you wanted to plan for the college education of your child. You have an idea of how much it would cost if your child went to college today, but what if your child will go to college in five years? 10 years? 15 years? How do you estimate how much tuition will be at that time? Next, assume that you have an estimate of tuition in 15 years.
How then will you pay for it?