Pera and Purpose Podcast

Scampanies are everywhere! Kung first time mong narinig yang term na yan, these are companies that scam people. At habang tumatagal, mas nagiging creative ang mga scam artists to make sure that they get a piece of your hard-earned money! Pero sa sobrang dami at galing ng mga scammers ngayon, may way pa ba para maiwasan at mapigilan ang kanilang mga modus? Kaya I invited Ms. Elaine Linga for this t...

In this episode of Hey Kuya Jay, naka-receive tayo ng isang inquiry via whatsapp: “Kuya Jay, hingi sana ako ng advise. Plan kasi nmin ikuha ng life insurance ang aking mga anak 1y/o and 4 y/o. Ano bang best na insurance kunin?”In most cases, it's not recommended to buy life insurance for children. Kasi ang main purpose ng Life Insurance is to cover the loss of income if the bread winner dies. Pero...

Bro Ion has been a Blogger and Overseas Filipino in the UAE for the past 15 years. He became famous for his Boy Dubai blog, but little do most people know is that he probably is whom I consider as the “unluckiest” Overseas Filipino I know when it comes to finding the right employer in his first 3 years as an OF.He experienced being locked in a room by his very first employer! Also, experienced del...

Improving our finances is a life-long process. It includes making progress in every step of the way. But how do we progress if we feel like we’re just going around in circles? What if we’re progressing but it feels like it’s taking forever to reach our financial goals? Ano nga ba ang dapat nating gawin Kuya Jay? Wag kayong mag-alala dahil we have invited another celebrity sa mundo ng Personal Fina...

What do you feel when you hear the word retirement? Kaba, takot o excitement ba? Paano ba natin malalaman kung handa na ba tayong magretiro? Sa panahon na people are living longer at mas mabilis ang pagtaas ng gastusin kesa sa sweldo, may pag-asa pa ba ang bawat Filipino na makamit ang kanilang dream retirement? These are just some of the questions I have for our special guest! Randell Tiongson is...

In this episode I'll answer the question of an Overseas Filipino who already has 2 pre-selling properties that she bought this year but still wants to have a 3rd one. I have also discussed a potential scampany based in Abu Dhabi that GUARANTEES 20% compounding investment returns per month. You’ll like this episode if:- You are interested to buy a property- You want to be more aware of scamsBEWARE:...

Vener has endured several financial setbacks in his life, including indebtedness, overspending and several failed businesses just to name a few. However, sometimes when things are falling apart, they may actually be falling into place. Listen to how he started his life as an Overseas Filipino in the UAE. After working at one of the biggest retail conglomerates in the UAE for 14 years as a Senior D...

Mastering money means mastering our behavior. Kahit negative ang ating budget, dapat pasitib pa rin tayo sa buhay. Wag lang sa COVID.There are tons of studies claiming that optimism is good for a person’s financial health. The positive perspective is associated with healthier financial habits, and therefore, better financial results. Pero..How do we really define Optimism? Is it a result of being...

On the surface, marriage might seem to be all about love and companionship. On a deeper level, it’s much more than an emotional commitment—it’s also a financial one. In the US, marriage statistics show that lack of compatibility in the financial arena causes almost 41% of divorce. If a couple is not on the same page about how the finances are going to be handled, it can lead to terrible problems....

Axie Infinity is a cryptocurrency game that’s recently gaining popularity, thanks to its “play to earn” model. In the Philippines, people don’t just play to earn, they play to make a living! Pero gaano katotoo ang hype around Axie Infinity? May pera ba talaga dito? Is it a scam? How long will this last? Ang dami kong mga katanungan na kailangan ng kasagutan! Our next guest is Mr. Alfredo "Janjan"...

Mainit na topic ngayon ang Axie Infinity, a Play To Earn NFT game na kinababaliwan ng mga Pinoy at OF's! Dahil sa chance na kumita ng pera, maraming napapaisip kung mas mabuti bang iwan na lang ang kanilang trabaho at maging full time Axie player or manager? Tapos, for our Scampany of the Month, pag-uusapan natin ang Masa Forex General Trading - UAE na nag nangangako ng malaking returns sa kanilan...

insPERAsyon is a new segment that showcases inspiring pera stories of purposeful Overseas Filipinos. In our first episode, I have invited Ms. Dianne Fernandez - an OF based in Dubai, former dragon boat paddler, a real estate investor and a stock market trader. For over a decade, Dianne helped organize events and training sessions to support her passion for continuing education. Together with frien...

If you want to upgrade your life, you need to upgrade your way of thinking, and one of the best ways to do that is by reading. When I added reading as part of my daily activities 4 years ago, my life changed for the better! And as I was preparing for this episode, I encountered 2 different studies. In 2017, National Book Development Board (NBDB) mentioned that 43% of Filipino adults read to gain n...

Ang daming mga Pilipino ang lubog sa utang. Karamihan sa kanila attached na kay Badet! Sino si Badet? Sya yung Bad Debts mo na hindi mo maiwan! In this episode I invited Coach Efren Llamas Cruz. He's a Registered Financial Planner, my mentor and the Chairman of Personal Finance Advisers. Coach Efren is also one of the pioneers when it comes to the topic of Personal Finance in the Philippines! List...

Bakit nga ba maraming OF's ang naghihirap? Listen to this interview together our OFE brothers from Singapore! Please like and follow Overseas Filipino Entrepreneurs: www.facebook.com/ofentrepreneurs--- Send in a voice message: https://podcasters.spotify.com/pod/show/perapurposepodcast/message👋🏽Download the Intentional Spending Plan here! Visit http://jayadriantolentino.com/ today!---👋🏻 Connect...

Can you really retire early even with a small income? Andrew started his career as an English Teacher. After paying his student debts, he aggressively began investing in the market. During his mid-30’s, he became a millionaire on a teacher’s salary. And by age 40, he was more-than-comfortably financially independent. He is a Personal Finance Journalist, a Speaker, and the Author of international b...

In this Ask Aya Anything episode we discussed random personal finance questions like:- Is gold really a hedge for inflation?- How do we pay for medical debts?- Investment ba ang insurance?- When calculating for insurance cover, should you factor in inflation?- How does our behavior affect our finances?- Is day trading good?- The difference between an Index Fund and actively-managed funds- And many...

In our 2nd installment of Dirhams & Sense Series, Aya & I will talk about some of the topics in personal finance that are probably outdated or irrelevant nowadays.--Gain fresh insight on how to improve your finances! This series of two webinars & three weeks of classes is guaranteed to help every Overseas Filipino save & invest CONSISTENTLY, manage debt, avoid scams, and build long...

Sino ba ang ayaw umasenso? Pero the bigger question is: paano nga ba tayo aasenso? Wanting is different from doing. Kaya sa unang episode ng Dirhams and Sense Series pag uusapan natin kung ano ba ang tamang steps para maging isang Asensadong Pinoy!--Gain fresh insight on how to improve your finances! This series of two webinars & three weeks of classes is guaranteed to help every Overseas Fili...

Will you trust a robot or an AI to handle your finances? Why not? For the past couple of months, I have been investing in a robo advisor because of its simplicity, ease of use and most importantly - low management fees! With their growing popularity, a question begs to be answered: are robo advisors better than the traditional human financial advisors that we are so used to? To help me find the an...

Bitcoin is a hot topic right now! Sa sobrang init, ang daming nasusunog at nai-scam! Pero open-minded naman tayo kaya I invited someone who first bought Bitcoin at $100 and profited 4x from it! Bro Fitz Villafuerte (host of the 80% Podcast, owner of Ready To Be Rich blog site, and an entrepreneur) is back in Finance Fridays! He will share his journey in bitcoin trading, blockchain tech, other cryp...

Let me tell you something. Financial Literacy is not enough to improve our finances. Yes, you heard (or read) it right! Alam mo ba na there is no empirical evidence that financial education improves our financial behavior. In fact, studies show that the effect is a miniscule 0.1%!Kaya in this episode, we’ll be joined by Ms. Rose Fres Fausto AKA FQ Mom. She was an investment banker turned full-time...

Living a meaningful life has nothing to do with how much money you make, and with the stuff you acquire. Minimalism has somewhat gained popularity over the last couple of years, with the help of Joshua Fields Millburn & Ryan Nicodemus AKA The Minimalists. This movement has gained popularity over the years because it has transformed the lives of so many people in so many ways! In my next episod...

Filipinos love free stuff, even in getting financial advice. But is free advice really for free? If not, then how much does free advice cost? Also, why would you pay for a piece of financial advice if you can watch YouTube videos and a lot of Financial Advisors offer it for free? Here’s the thing….Consumers need to understand that Financial Advisers who offer free advice are intermediaries and are...

Financial Ignorance is expensive. Please allow me to expound. Did you know that if you invest $1,000 monthly for 30 years and make an 8% average annual return from your sensible stock portfolio, minus 1% per year for all investing costs, you’ll end up with $1,227,000? But paying just 1% extra in costs will lose you $218,000 of that! Unfortunately, most plans available will charge you a lot more. S...