Friday, May 21, 2010

Save for your retirement while you are still young

For almost all young adults who have just started their first job, or who are just getting ready to settle down and marry, planning for their retirement is not at all in their minds. For those who have just gotten their first job, the experience of receiving your paycheck is a thrilling and empowering feeling. Now you have money to spend for the things you’ve always wanted to get. Billboards and glitzy print ads beckon you to accumulate all sorts of products and services that make you enjoy the life that you feel entitled to. At last!

But, listen, time waits for no one. Sooner or later, you will find yourself with a closet full of out of fashion clothes, outdated gadgets, and toys that you have outgrown. Worse still, you may still have credit card bills to pay for these things, and zero cash saved up for even your next vacation to Boracay. This time will come, if you’re not careful. And believe me, that time could just be around the corner.

If you’re smart, you should begin to plan for your retirement as soon as you receive your first pay check! Here are ten reasons why you should prepare now:

  1. If you are employed, and your company is setting aside money for your SSS or GSIS or company retirement, guess what? What your company is setting aside is not going to be enough.
  2. Time is in your favor. Who has more time to save for retirement at age 60? You, or your uncle who is 30 years older than you?
  3. Because of # 1, you don’t have to sacrifice a lot in order to save a lot. If you and your uncle wanted to accumulate P1 Million by the time you’re both 60, you would have to save a smaller amount regularly, because you have more time to save. Right?
  4. You can make more aggressive investments now but get rewarded with higher returns. Usually, these higher risk investments have a way of recovering very well over a longer period of time.
  5. Inflation is not in your favor. You know it. Don’t be in denial. It will cost you more to retire than earlier generations ahead of you. So, don’t think that it will be affordable enough for you by that time.
  6. You can start small and grow. Even setting aside a small portion of your paycheck each month will pay off in big pesos later.
  7. It’s easier to develop the habit of saving while you are young and you have no major obligations.
  8. As you accumulate savings over time, your money will start working for you, rather than you working for money.
  9. No matter how much you love your parents, do you like the idea of supporting your parents because they failed to save for their retirement? Well, don’t impose your failure to save on your children. They deserve a life of their own.
  10. It’s great to enjoy your savings! Imagine the nice and easy life you can enjoy when you have saved enough. If you want to keep working even when you’re old, you will go to work because you like to, not because you have to. And – when you have saved enough to take care of a comfortable lifestyle – you can occupy yourself with work which probably won’t pay much, but which will be fun and self-fulfilling.
source:; photo from

Thursday, May 6, 2010

Richard Gordon for President

With permission to post from cosmochick, a girltalker of

I am writing this not as a passionate advertiser to a person I entrust my vote. I am writing this because I feel that I have to. I have this urge to let others and my friends, who are still undecided to vote this coming election, to exercise their rights and not waste it by voting in futility.

As mandated in the 1987 Philippine Constitution, everyone has the right to be informed. Therefore, I am informing you now just a “piece” of the candidate I am voting for. This will not be that long-winded and too lengthy for I know, whatever I put here will surely be an UNDERSTATEMENT of what my President has accomplished.

Because of my PRO-GORDON posts, many inquired why I chose Gordon. I told them, “I will answer your question if you will also allow me to ask you a question. Don’t worry, I accept fairness and equality so I will ask the same thing to you.”

He walks his talk. He is not only a visionary thinker and an eloquent speaker, he is a moving doer who inspires by example. I am one of those inspired by his altruism and pragmatic ideals.

Others brand him as braggart for the reason that he tells what he has achieved. We are talking about our future President not a docile and meek Saint, right? Gordon tells you what you NEED to hear, not what you WANT to hear. If informing the public what one has done for the benefit of many is already a mortal sin, then let there be no politicians and let us just elect scholars whose achievements were seen in books only for the intellectuals to feast on.

Others say that he is not visible in their places this campaign period. Thank you for raising this one for it just proved that your candidates are only visible during campaign periods. May be he has not set his feet in your place now to give flyers and shake your hands, but surely when something happens, a calamity or disaster, he is always there working in action when others are just enjoying political luncheons.

Yes, your Presidential candidate can wage a nationwide campaign BUT what is truly decisive is that CAN HE RUN THE COUNTRY?

Who knows best when it comes to disaster prevention, awareness and preparedness than my President? Your bets, perhaps, were visible during the catastrophic Ondoy and Pepeng. Why not? Even movie actors and actresses made noises. But where were they during Mt. Pinatubo ash falls, Mindanao relief operations, Leyte landslides, Pagoda tragedy in Bulacan, Cabanatuan City earthquake, Wowowee stampede and Glorietta bombings, to name a few? My President has served more than 40 years as a VOLUNTEER in the Philippine National Red Cross and he is our international delegate on this matter. These exemplify that my President is not merely a robust leader but a compassionate server.

I have known people who got sick and those who needed financial assistance and GORDON WAS THE ONLY SENATOR who extended help. This is not a lip service.

A good illustration is someone I knew who is in dire need of the medical assistance. I helped her draft the legal papers / letters (hence, I have personal knowledge and this is not plainly hearsay) to be sent to various Congressmen and Senators (including your presidential bets) and ONLY RICHARD GORDON responded (within 2 hours to be exact!) and has given the financial aid needed.

Again, public service at its finest!

This is not to pull down your candidates. I would just like to stress a FACT and would like to INVITE you to PONDER on these–- Are we going to settle only for these nonsense talks in ad campaigns? “Hindi ako mangungurakot,” “Lalangoy ako sa dagat ng basura at iaahon ko kayo sa kahirapan,” “Galing at Talino,” “Walang mahirap kay Erap” and so on.

Anyone can claim that he or she has GALING AT TALINO (ask any accomplished professionals like lawyers, doctors, accountants and engineers for that matter). Anyone can claim that he or she has that integrity and is righteous not to plunder (which, by the way, has been promised by many politicians). Anyone can claim that he or she can alleviate the poor and the marginalized from the mud they are paddling into.


It's not merely about clear-cut vision because any intelligent person could make it up (others, with the aid of their thinkers). It is more on continuing your mission. Have you truly seen your man IN ACTION? I HAVE SEEN MINE AND HE MADE ME REALIZE THAT PHILIPPINES CAN RISE AGAIN THROUGH A CHANGE IN MEN. I am voting for him because I dream of that day that my beloved country will regain its pride and dignity.


I do not wish to make this post longer than intended, thus, allow me to introduce my candidate in an unpresumptuous or self-effacing way I can.

WHY GORDON? He is the only presidential candidate who HAS delivered, while others still PROMISE to deliver. The only presidential candidate who has an impressive track record BOTH in the legislative and executive departments. The only presidential candidate who knows disaster awareness and preparedness acts for having been a volunteer of Red Cross for more than 40 years. The only presidential candidate EASY TO DEFEND for he has made a name for himself— a track record of good governance illuminates his aura.

He has a vision and continues to do his mission. He demands change, commands leadership through his accomplished tasks and transforms the country through a change in men. He tells you what you NEED to know, NOT what you WANT to know.

AS TO OTHER REASONS WHY I AM CHOOSING HIM AS MY PRESIDENT-- Res Ipsa Loquitur! (His track record will surely speak for himself).

Galing, Talino, TRACK RECORD, Kredibilidad, Integridad at Prinsipyo, ‘YAN ANG PRESIDENTE KO!

By the way, if you will tell me that “Magaling siya kaso hindi mananalo,” you just insulted yourself and let the surveys manipulate you (merely 2,000 respondents?) DO NOT INSULT YOUR INTELLIGENCE. STAND FIRM ON YOUR VOTE BECAUSE, IN THE END, YOU ARE ACCOUNTABLE FOR THE CHOICE YOU MADE.

With this post, I may arouse a tongue squabble. You may beg to differ. I respect other people's opinion. This is mine. =) I want to believe that I am a proactive voter not a destructive advertiser.

Now, I answered your question. Can you answer mine? Or better yet ask yourself: WHAT TANGIBLE PROOF OF GOOD LEADERSHIP DO YOU HOLD FOR YOUR CANDIDATE?




Related Posts:
The only thing that can make me withdraw my support to Dick Gordon
Why I chose Gordon over Bro. Eddie


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