Decisions On Saving, Investments, Land and Property

My short stay last week down south made me think a lot about getting my own place. I could afford it but I'm thinking about some other priorities; and second guessing if it's a worthwhile investment. A condo? A house? It still really bugs me, because the last thing I want to happen is to throw away cash that I've worked hard for. 

This goes the same for you guys who are just starting off at work. If you think you live paycheck to paycheck and still couldn't afford saving up for high ticket items such as a car or your own property, think of the things you've purchased that you don't really need. For example, you already have an iPhone but you go ahead and buy an iPad when in fact, you already have the same functions available on both your Apple gadgets. If you go out too much and party after a hard day’s work, think of the amount of money you could have saved than buying a few thousand pesos worth of beer because you think you deserve it every once in a while. You'll come to realize that hangovers and going bankrupt was not in the picture. Then you go to work late the next day and don't perform at par with your workplace standards. Not that I'm making you guilty about it, but I think my point stands. I learned that through the years and I think I did a pretty good job at it. It's a lifestyle change.

When we stop small things like these and save a lot, then we have to decide where to put the money. I got the chance to read an article at Lamudi which already lists down the pros and cons of owning a house versus an apartment. It saved me a lot of time. Then I figured, a condominium unit in a business district like Makati will probably be a better option if things wouldn't materialize. I have so many options to choose from but I thought about the pets, the lawn, the garage and the whole house to manage aside from the property I'd like to buy. I need to simplify my life if I want this to happen. I hope my investments in the stock market and money market yield more than what I hoped for.

What about you guys? Have you thought about where you want your money goes? Let me know!

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What Is Your Dream?

I've asked my self that question a hundred times. You know, the usual. Owning a car, a house, my own business, early retirement, traveling abroad or an educational plan. I bet these are the usual suspects in your dreams too. Sun Life Financial made it a little more scientific and practical in order for you to realize your dreams. I printed out mine just for kicks and it made a lot of sense. It indicated how much I needed to save every month in order to realize it in one or two years. It paints a picture of what we also need to work for, if this dream is achievable or not.

The question is, how much should I set aside for it? A dream can cost a lot but you still do it because you hope something happens with your hard earned money. Saving it in a cupboard stagnant for years is what most people do. People are afraid of risks. People are afraid of losing money but don't know their money will devalue because of inflation. This is where Sun Life Financial comes in.

They have different fund managers that would be able to give you a clearer understanding about investments. A safer option would be Mutual Funds. It's where a company pools together investors from different sources then use it to invest, acquire, sell and secure stocks to ultimately earn from it. It can be done in Money Market, bond, balanced or equity funds. If it appreciates, you can sell your shares for profit. 

Sun Life Financial also introduced their newest Digital Brand Ambassadors Team Kramer! Proud Parents Doug, Cheska and their kids are also full blooded Sun Life Financial people. Cheska's Mom is also a real deal certified Sun Life Financial Advisor. When Doug Kramer was just starting to court Cheska then, her Mom didn't let Doug leave their place before she got him to invest in a plan. This is the same thing that Cheska's Mom did to their money a couple years back when they started in showbusiness. Now, they see the fruits of their labor and they lament that it was a blessing to have done it a few years back. Cheska's Dad even gifted them with Kendra's educational plan so now they don't have to worry that much with the high costs of enrollment. The same thing can happen to you too because as the Kramers said it, if they can do it... You can too!

It's definitely Juan's time to break free and have financial independence. If your thinking of investing, take time to research and call your Sun Life Advisor now at 555-8888. Or visit their channels below. Make your dreams a reality!

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Invest in Russia

Russia has been a major world power house since the end of the cold war. With icons such as Lenin, Gorbachev, Joseph Stalin, Boris Yeltsin and everyone else in the former communist haven, you are sure to be surprised what this country has to offer.


Aside from its major imports such as oil and nuclear power components, Russia is now opening its doors to people who would want to invest in the country. The money market has been a lucrative business to any nation and options for treasury bills, investment opportunities are now being given priority by the Russian Federation.

You get the security happiness you desire in return of investments because the country’s consumer spending has been at an all time high. This also is an untapped market so if you plan to get acquainted with the Russian Stock Market the time to invest is now.