Seraphimsnotes

I've worked, for almost 15 yrs in a Goverment Agency, when everything flies. I've watched and observed, how money was kept, used for CAPEX and other bidding purposes for certain aircraft runway projects, aircraft operations and even office supplies.  Money was used properly with accordance with right implementation of policies and regulations. There are certain money allocation for future projects and neccessities. However, that's how internal audit and budget expenses works within a particular divisions. But, if you really observed the people working behind those offices. All the employees, who had been working for decades, you can observed their routine  during salary days. I've seen how loan movements are active during pay-outs. The question is, Do they really have such money allocation for their financial expenses or are they relying to financial debt/salary loan or even personal loan just to make it for everyday living. For second time, with Aya L...

In terms of financial, why do Filipino's scared to talked about it? Why do we seldom asked for financial advisors?  Why do we need to hide on our shell? How do we kept our finances available or do we strongly believe we can save for our future? Are we financially equipped to enjoy our retirement? Those are some questions battling in my mind. But, there is one word  that shaken my world and bedazzled with my current situation, the word "Retirement".  As an early age of 36, why am I too worried, what's future holds for me. Am I too rushing with the tides called "Life".   But, before, I've mentioned, my own struggles and endeavors  in life.I would like to share some of my notes or answers of the questions above. Money is a big issue for Filipino's especially if we are a middle-aged earner, wherein, we put all our expenses with our food and education to our family. That's one big hindrance that limits us from saving for future retirement. ...