Top 3 Financial Mistakes of Fresh Graduates

Posted on March 23, 2018 by Harold Gardon

To all graduates, congratulations!

Welcome to the awesome world of work!

I remember the moment I received my first paycheck.

The proud feeling of being able to earn and be a productive member of society.

But what I don’t remember is how I spent my first paycheck .

Or how I spent the succeding ones on my first years of work.

If you are a fresh graduate, I hope that through this article, you will not commit the financial lessons I or most of my batchmates learned the hard way.

I believe that this article is not only for Fresh Graduates but for everyone who is seeking Financial Freedom.

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Financial Fitness 3.0

Posted on September 17, 2017 by Harold Gardon

How’s your Financial Health?

Do you regularly do your Financial Workouts in order to be financially healthy?

Can your financial condition sustain you for the next 10-20 years like a marathoner or just 3-6 months like a fun runner?

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Accomplish this Financial Checklist before your 30’s

Posted on September 3, 2017 by Harold Gardon

Our 20’s is the time when we YOLO (You Only Live Once)!

We earn and spend! We enjoy life not thinking about tomorrow!

And why should we? We are in our prime! We can always double our work and we have all the time.

But this is not always the case. What you do in your 20’s will dictate how you will live the rest of your life.

Below are the 5 Financial Checklist that you should have accomplished before you reach your 30’s: Continue reading “Accomplish this Financial Checklist before your 30’s” →

3 Steps on How to Build your PLAY FUND!

Posted on August 30, 2017 by Harold Gardon

We, Millennials, see money not as an end in itself but as a tool to buy experience and enjoy life.

We prioritize traveling and experiencing the world. Fighting for causes we believe in! and making this world a better place by following our passions and dreams.

But most often we forget that there are essential things we forget to prepare for such as retirement planning, critical illness coverage, and medium-long term savings.

This article will not talk about savings and investment but how do we build and manage a Play Fund so we won’t blow up our budget and be drowning in debt.

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Achieve Your Financial Goals Without Giving Up Your Favorite Frappe

Posted on August 13, 2017 by Harold Gardon

We always hear financial advisors saying to give up your favorite Frappe or Latte in order to achieve your financial goals.

Honestly, I was one of them until I realized that we work hard because we want to ENJOY and LIVE LIFE!

That is why I formulated this 5-step guide on how to achieve your Financial Goals without giving up your favorite frappe.

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What is a VUL?

Posted on July 30, 2017 by Harold Gardon

VUL stands for Variable Unit Linked or Variable Universal Life. It is a financial product that provides life insurance and an investment feature.

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