The lesson that can be gleaned from lizards is to stand still and run fast. Observing almost any survival creature, you see the simplicity of their impulse. Freeze, jump, run. What can financial planning teach about lizards? Stand still, observe, crack like a whip into action. We’ve stood still long enough. So here and now, […]

Doing what you love to do, fuels success for every other thing. Most people in business who really succeed are the ones who are most passionate about their work. They have a competitive edge (if you can call it that). By empowering what you already love doing, you are in fact creating wealth within you,

Revitalize your Retirement Plan by Flipping the ScriptRead More »

As a long-time comic book reader, I’d say Stan Lee had an ideal retirement. Despite his age, Stan Lee was still occupied with the excitement of telling new stories, creating new characters exploring new ideas, and collaborating with old and new talents.  In his 80s and 90s, Stan Lee’s vitamins were his continued foray with

Better to Burn Out, than Fade Away! A Primer to Purpose-Driven Retirement PlanningRead More »

From time to time, we like to break conventions and rattle the cages. This is one of those times. For this blog, let’s disturb the general understanding of retirement. Ah, yes, retirement — that elusive, long stretch of a goal come your senior years. In terms of our career life, retirement is the time to

A Dynamic Retirement Plan for the Brave, Daring, Purpose-Driven Souls (Updated)Read More »

Press Start V.1 is just your friendly-neighborhood to-do list, which just happens to have a spaceship. The mechanics are simple. Award yourself points for good habits you’ve completed. Your points carry over to the Energy Management Worksheet, where you can convert your points into energy. Save enough energy so you can boost your spaceship forward.

How to Play the Press Start version 1 WorksheetRead More »

  Good habits are the key to all success, bad habits are the unlocked door to failure, says Og Mandino, author of the Greatest Salesman in the World. Performing financial planning is 90% sticking to good habits and 10% number crunching. If you develop good financial habits and stick to them for the rest of

Building Great Habits with a Little SpaceshipRead More »

Your long-held math anxiety may be the reason why you’re delaying your financial plan. To ease the tension and reduce “financial planning anxiety”, we’re going to gamify the process. In high school, my blood pressure would rise for this dreaded anticipation of math time. What made it worse were the math teachers who had the

Overcoming Your Anxiety with Numbers through PlayRead More »

The one consistent aftermath of a crisis is that it would have created an abrupt change in the system due to a catalyst—so damning and so destructive—we cannot return to past routines. The COVID-19 pandemic is one such catalyst that has wreak havoc in so many areas of our lives, which forced healthcare, schools, and

The New Normal in the Financial Advisory ProfessionRead More »

The Role of Happiness It shouldn’t be surprising to know that money management and financial health are pegged to your long-term happiness. You have to understand the things that make you happy. How do you define contentment? What is having enough for you? A conservative view of money management is about holding back and force

Money Management Fundamentals and All that JazzRead More »

During the first quarter of 2019, I’ve decided to completely shift my attention to Behavioral Finance. The only problem: I was flat out tired. Because I’ve been doing this for almost a decade, I feel burned out, often stressed and pressured on the rigorous routine of marketing and prospecting for new clients. I am legitimately

My Evolving Approach to Financial EducationRead More »

I’ve always been a student of history and have a high regard with historians. I believe there’s always beauty in looking at things with their historical backdrop. And I find this useful to improve my comprehension of difficult and boring subjects. So, on that account, math has a history. Someone invented accounting, not just out

The Phenom of Money according to a Historian:Read More »

Financial education is often dismissed as a vocation for the elite, or simply laid aside for a later (indefinite) time. But make no mistake. Everyone needs it…. and quickly. Do you want to learn how to achieve a financial security for you and your family? There’s no better time than to start NOW—regardless of your

Why Financial Education Matters More than EverRead More »

You may have heard the saying “Giving is its own reward”. Have you ever wondered why? Recently, I was asked by a client a series of playful questions… can you explain, in scientific terms, the fine art of giving? Why do you think that when you give something, you will receive something of equal or

The Un-Scientific Truth behind the Power of GivingRead More »

The Global Debt Creator

Today, we’re about to tackle the perennial question? Is it really good to borrow money from banks such as, for example, getting a simple credit card? From a macro perspective (if all people got themselves credit cards), there would a surprising revelation that would come out from that. The creation and the exponential growth of

Don’t Read this if You Borrow Money from Banks, Read if You’re an Investor!Read More »

As our final piece of presentation of what i-TeachOptions stands for–we go to the very core of our belief system. Happiness. What makes you happy? And it’s opposite — Misery. Misery is finding a lot of companies these days just by reading the news – with an upwards of 7% inflation in our economy. The

Why We Really DO need an Economic Indicator for HappinessRead More »

A typical financial plan would want you to plan for your children’s education, for long-term investment, for retirement, for estate preservation.  It is like checking off a list of routines. They’re cute. And yet most people hardly do that? Why? Because you feel your financial plan as something external–they really don’t strike as relevant to

What is an Inspired Financial Plan?Read More »

This week, we at i-TeachOptions would like to discuss, what we believe in, what can you expect from us, what you’ll get through our collaboration, and what makes us different from many financial advisers and planners out there. Today, let us talk to you about one of the most important principles we follow: Inspired Health

The Secret behind that old adage “Health is Wealth”Read More »

how to save money

For me, and I guess for many of you, it is difficult to know how exactly can one be motivated to save money. Do I save money for the long term (for future protection), for investments (to earn from interest rates), or for bigger savings to get a whole lot more investments and insurances? At

Three Crazy, Peculiar (But True) Things About Saving MoneyRead More »

abundance mentality vs scarcity mentality

It’s that time of the year we preach Recent spates of bad news have bombarded us in the various media we interact with on a regular basis: Surging oil prices, the P54 per dollar, the 9-year high inflation rate at 6.4%, metro traffic woes (EDSA), bearish market—it seems nothing is going right these days. What

The Greatest Damn Response to the Bear Market and the Rising Inflation: Abundance MentalityRead More »

VUL vs. BTID smackdown

In life, we will always come across two great, absolute forces that go head-to-head:  Ali vs. Frasier, Pacquiao vs. Marquez, Ateneo vs La Salle, Ginebra vs. SMB, Coke vs. Pepsi, Jollibee vs. McDonalds, Jobs vs Gates, Apple vs. Samsung, DC vs. Marvel…. In the financial arena, it is no different. In the red corner, one

The VUL vs BTID Insurance Smackdown: Can We Settle this Already?Read More »

financial freedom

This is for all frustrated artists and creative individuals out there. You are not alone. We all have the potential to become artistic. We all have the book–the stories–to share the world. One way or another, we can all become painters, photographers, novelists, musicians, and so on. But because there are immediate responsibilities to take

Why Artists should look at Passive Income as their Best MuseRead More »

hierarchy of investments

We get that investing for the first time can be a confusing mess—you don’t know where to put your money. All you think about is the formula: profit versus risk. To get a fix on that, you were told to get all the numbers and facts about the investment instruments before going ahead. While this

Confused about where to invest — Just follow this Chart (Read if you must)Read More »

bored employee

Find the job that you love and you will never work a day in your life – Mark Twain Are you tired of working? Have you lost your powers of creativity? Somewhere along the way, we lose the motivation to work due to a myriad of things, due to office politics, lack of pay, change

The Root of all Boredom for those of us Employed (and the Joy of Creative Entrepreneurship)Read More »

protect your savings from your spending hand

We’ve been talking about saving money and trying to defeat your emotional urges to spend money while you can if you can. But we’re just human aren’t we? Chances are we would always be controlled by emotions. There’s always a chance emotion will get the better of you. No matter how many tips I give

The Psychology of InvestingRead More »

credit card spender

The consumer market works to condition your brain to think that by buying stuff, you would be solving your emotional and personal problems. But we all know that this doesn’t provide real solutions—it just adds whiskey. By buying stuff, we just want to feel good temporarily. There’s nothing wrong with this, of course. We all

How to Put Your Spending on a LeashRead More »

old man, money, safe

Taken together, money and spending are pretty influential subjective concepts. Ever noticed that when you’re shopping, your emotions get the better of you? Your shopping could very well beat the hell out of your logical reasoning cold. This happens when you can’t stop the urge of using little plastic cards to purchase some things that

Does money define your self worth?Read More »

gremlin, troll, emotional spending

In finance and investments, emotion is a dangerous creature. It’s cute, furry, cuddly, but feed it after midnight, it turns into a Gremlin. With emotion, we’ve tagged the one thing that salespeople use to lure you in. The same thing goes with advertisements. Ads pepper you with lots of images and sound designed to trigger

Finance 101: Needs, Wants, Sizzles, Steaks, and GremlinsRead More »

Piggy Bank Saver

You often hear that long term saving requires discipline and commitment. Just a bunch of words that conveniently sum up the idea.  But be warned, you may have been duped by the understatement of the year. Yes, long term savings needs your discipline and commitment. But if you’re planning for your children’s education and retirement,

Lesson from your good ‘ole piggy bank on how to be a superhero (There’s a sentence I never thought I’d say)Read More »

Have you ever heard the X-curve concept before? Experts on the matter say it is indispensable; you won’t have a feasible financial plan without it. The X-Curve diagram makes it easier for a financial planner to explain why a client needs insurance and investments. It’s a sure-fire way illustration on how to prevent bankruptcy and

The Cold, Heartless Financial Tool called the X-Curve, and How to Cope with itRead More »