Podcasts about finance fridays

Small changes can make a huge difference in your business. The right tweaks to your bookkeeping and financial habits can save time, improve cash flow, and help you feel more in control, all without adding more to your plate. Efficiency is key, and it starts with reducing time spent on repetitive tasks. Are you still manually processing transactions that could be automated? Whether it's setting up bank rules, batching expenses, or offering online payment options, there are smarter ways to handle your finances. One simple shift? Automate your invoicing. Sending invoices manually not only takes time but can also lead to delays and cash flow issues. With automation, you streamline the process, get paid faster, and free up your focus for more important things. Another game-changing habit? A weekly financial check-in. Instead of letting tasks pile up, block out a set time each week. Whether it's Money Mondays or Finance Fridays, to review cash flow, send invoices, and stay on top of your accounts. This one habit alone can transform financial confidence and business growth. Finally, don't ignore your reports. Your bookkeeper isn't sending them for fun! They're a powerful tool for understanding your numbers. Start simple: find your gross profit and understand what it means. As you get comfortable, you'll naturally start asking more questions and making smarter financial decisions  Links & Resources Mentioned in This Episode: Xero Money Saver Guide – Learn how to optimise your Xero set up.Blog post: Gross Profit vs. Net Profit – For a simple breakdown of gross profit.

Welcome to Good Girls Get Rich! I'm your host, Karen Yankovich, and today I chat with Ruchi Pinniger, the inspiring founder and CEO of Watch Her Prosper. Ruchi's mission? Helping women transform their relationship with money and redefine what prosperity means for them. If you've ever felt overwhelmed by finances or disconnected from the flow of money in your life, this episode is packed with insights just for you. Ruchi Pinniger is the founder and CEO of Watch Her Prosper, a company dedicated to empowering women to redefine their relationship with money and achieve true financial freedom. With a background on Wall Street and years of experience guiding women entrepreneurs, Ruchi combines practical financial strategies with a deep focus on mindset and spirituality. Her approach to prosperity goes beyond the numbers—she believes in a holistic view of wealth that includes well-being, confidence, and a thriving relationship with money. Ruchi's mission is to help women embrace abundance and build lives that are as rich in purpose as they are in prosperity. #GoodGirlsGetRich  We want to hear your thoughts on this episode! Leave us a message on Speakpipe or email us at info@karenyankovich.com.   Episode Highlights: Redefining Prosperity: Ruchi opens up about her journey from Wall Street to leading a purpose-driven business focused on empowering women financially. She shares her personal story of redefining prosperity from the inside out, shifting the focus from external symbols of wealth to a holistic view that integrates well-being, spirituality, and intentional money habits. The Three Pillars of Prosperity: Learn Ruchi's three pillars—well-being, spirituality, and relationship with money—that lay the foundation for true prosperity. Whether it's prioritizing self-care, grounding practices, or embracing a spiritual perspective on abundance, these pillars are essential for building wealth without sacrificing peace of mind. Money Mindset Reset: Karen and Ruchi dive deep into common money blockages, from fear of looking at numbers to negative self-talk around finances. Ruchi shares her signature RIR method—Recognize, Interrupt, and Reframe—to help break down those mental barriers and create empowering money habits. Embracing High-Ticket Offers: Karen discusses the importance of thinking big in business, especially for women entrepreneurs. Instead of focusing on small, incremental gains, why not aim for those high-ticket offers? Karen and Ruchi explore how believing in the value of your work can elevate both your confidence and your income. Actionable Financial Tips for Entrepreneurs: Ruchi offers practical advice for business owners looking to improve their financial health, including the importance of weekly money check-ins (think “Money Mondays” or “Finance Fridays”) and how to trust yourself with bigger financial goals. Final Thoughts: Ready to Elevate Your Financial Game? If this episode spoke to you, take a screenshot, tag us, and share your biggest takeaways on social! When you lift up other women, we all rise together. And if you're looking for guidance in creating and selling high-ticket offers or showing up as a thought leader, book a call on Karen's calendar—let's get you making real money! Tune in, take notes, and get ready to prosper with us on this journey! Magical Quotes from the Episode: Ruchi Pinniger: “Prosperity isn't just about the bank balance. It's about well-being, spirituality, and having a healthy relationship with money that's free from shame and fear.” “When you're grounded, the way you think about money changes, and that's where true prosperity begins—inside, not in the numbers.” “One of the biggest shifts I help my clients make is recognizing, interrupting, and reframing negative thoughts around money. It's a game-changer for their confidence and financial success.” Karen Yankovich: “I believe this world needs more wealthy women. I think women with money can change the world—we can donate to causes that matter and create more freedom and choice in our lives.” “It's time for you to make some real money; let's start creating, marketing, and selling high-ticket programs that allow you to show up as a thought leader.” “I want you to believe in your heart that if your program is $10,000, then it's worth $100,000—that's the confidence that allows you to say $10,000 like, ‘Please pass the salt.'” Resources Mentioned In This Episode: Connect with Ruchi on Facebook, Instagram and LinkedIn for tips on aligning wealth with well-being. Check our Ruchi's website to learn more about her services and download her free “Redefining Prosperity” workbook. Have a burning money question? Ask Ruchi directly! Help Us Spread The Word! It would be awesome if you shared the Good Girls Get Rich Podcast with your fellow entrepreneurs on Twitter. Click here to tweet some love! If this episode has taught you just one thing, I would love if you could head on over to Apple Podcasts and SUBSCRIBE TO THE SHOW! And if you're moved to, kindly leave us a rating and review. Maybe you'll get a shout out on the show! Ways to Subscribe to Good Girls Get Rich: Click here to subscribe via Apple Podcasts Click here to subscribe via PlayerFM Good Girls Get Rich is also on Spotify Take a listen on Podcast Addict

Discover why a brokerage account is a game-changer for high net worth individuals!

Wondering what a Health Savings Account (HSA) is and why it's a must-have?

Do you want to give a quarter of your money to the government?

Luke is the Founder of Website Rental Coaching (WRC), a digital agency that trains people in the rank and rent online business model. The goal is to give them greater control over their work/life balance and create wealth. WRC's program has financially empowered clients across various professions by educating them on SEO, lead generation, and client sourcing. While several have earned passive incomes to match and replace their 9-5 salaries, many earn thousands each month as a side hustle. Over the past decade, Luke has built 100+ rank and rent websites that organically generate tens of thousands of high-quality business leads every month across 73 niches and 48 states in the US. Businesses that rent these sites have been able to automate customer acquisition and eliminate advertising costs while increasing their rate of growth and expansion. Luke has also been able to branch out to acquire local businesses, to which he applies his lead generation expertise to scale them for a big exit later. In 2023, he notably purchased Mr. Ding-A-Ling for $1.7M, raising the ice cream company's valuation to $2.2M in just a few months. Luke's journey as a digital landlord started with his own search for financial autonomy as an unfulfilled 9-5er in the corporate world. He set about using his digital know-how and, in just six months, built an SEO-powered portfolio that generated high revenues. On the podcast, Luke would love to talk about: - How is the education system designed to keep people working instead of creating wealth? - How website rental works and why it is worthwhile to build a solid passive income. - Key methods and strategies to optimize the rank and rent model to generate leads for any business. Quick recap Summary Discussing SEO, AI, and Business Experiences Michael and Luke had a productive discussion about their recent schedule changes and upcoming topics for discussion. Michael, a specialist in SEO and AI, expressed his interest in learning more about Luke's business, particularly its website rental side. Luke was invited to share his experiences and thoughts on SEO and AI, and Michael emphasized the importance of referencing relevant information during the conversation. They agreed to proceed with a planned discussion about the current state of SEO and AI. Burnout, Corporate Jobs, and Alternatives Luke and Michael discussed their experiences with burnout in corporate jobs and their decisions to quit and pursue passive income. They also talked about their observations of the issues inherent in traditional corporate environments, such as lack of control, inflexibility, and focusing on short-term gains at the expense of long-term sustainability. They agreed that individuals should prioritize their well-being and consider alternative working methods for more autonomy and flexibility. Michael and Luke's Journeys in SEO and Website Design Michael and Luke discussed their journeys into SEO and website design. Michael shared his view on the ongoing relevance of websites and SEO, emphasizing their importance for businesses to be found. Luke shared that his motivation for starting his own business was to create a flexible income and have more control over his time. After trying various models, he landed on SEO and built an agency. However, he found that owning the sites was limiting, so he switched to renting digital spaces online, giving him more control and independence. Frustration With Unrealistic Client Demands Michael used the analogy of going to a restaurant to describe a situation where clients have unrealistic demands, causing unnecessary stress for the service providers. He expressed frustration with those who order complex modifications, likening it to his harrowing experiences with his family's breakfast orders. He emphasized the importance of simplicity to avoid confusion and ensure satisfaction. Search Engine Rankings and Website Reliability Michael emphasized the importance of having a website that ranks high on search engines like Google, noting that a well-designed website is only helpful with good rankings. He highlighted the need for regular updates and the use of platforms that keep websites up-to-date. Luke concurred that people rarely look beyond the first few search engine results. Michael also shared his experience with various browsers and how some websites can become unavailable due to changes, underscoring the need for a reliable platform to avoid such issues. Outsourcing Tasks for Business Growth Michael and Luke discussed the benefits of outsourcing specific business tasks to focus on growing the business. Michael emphasized that outsourcing tasks, such as dry cleaning, allowed more time and resources to be directed toward revenue-generating activities. Luke agreed, stating his focus is on assisting business owners who are proactive in their approach to growth and seek to outsource tasks that are not their strengths. Both underscored the importance of investing in development and focusing on passive, low-maintenance tasks to maximize results. Maximizing Efficiency and Profitability Through Niches Luke and Michael discussed the importance of focusing on specific areas within their business to maximize efficiency and profitability. They agreed that choosing the right niches can lead to significant returns without wasting time, allowing companies to concentrate on their core functions. Luke shared his experience with a successful initiative he worked on, indicating that such opportunities are becoming more saturated. However, he believed that the potential rewards justify the investment when considering the revenue generation potential. Potential Partnership and Maximizing Efficiency Luke and Michael discussed a potential partnership with mutual benefits. Luke proposed providing capital for the venture in exchange for a significant share of its profits, which Michael found tempting due to the potential for passive income and exploring a new niche. They both appreciated the importance of time and the value of learning from others to maximize efficiency and profits.

Your Bio and Social Media links: Website: https://medevolve.com/ LinkedIn: https://www.linkedin.com/in/matt-seefeld-521319/ Matt Seefeld is the Executive Vice President at MedEvolve, a top provider of data-driven solutions that help healthcare businesses optimize their revenue cycles and medical billing teams to lower money collection costs, increase efficiency, and enhance revenues. MedEvolve collaborates with tens of thousands of physicians and 50+ provider organizations nationwide, who in 2022, submitted $3.8B worth of claims with their assistance. They have over 90 employees, and their annual revenues are close to $20M. Matt has over 24 years of management consulting experience in the healthcare sector and is very skilled in the evaluation, design, and execution of process improvement programs and the development of new technologies that can be applied across the entire revenue cycle. He spent most of his early career assisting health businesses of all sizes in aligning people, processes, and technology as a revenue cycle consultant with Stockamp/Huron, PwC, and Deloitte. Matt also founded and served as the CEO of Interpoint Partners, a provider of business intelligence solutions, which he sold to Streamline Health Solutions in 2011. He remained in the company after he sold it as the Chief Strategist of Revenue Cycle and later as the Senior Vice President of Solutions Strategy until 2014. Before taking a full-time position at MedEvolve, he managed worldwide sales for NantHealth and offered consulting services to healthcare technology and service companies around the country. Quick recap Summary Matt Seefeld's Journey and My Life Link App Matt Seefeld, a former Deloitte consultant turned healthcare software entrepreneur and recovering alcoholic, discussed his personal and professional journey with Michael. Matt shared how his experiences with addiction and recovery inspired him to create a free app called My Life Link, connecting people struggling with various addictions to a supportive digital community. Michael agreed to promote the app and show notes on his platform to help those in need. They also touched upon the skills and challenges required in entrepreneurship and leadership. Concerns Over Healthcare Challenges and Transformation Michael, who has a long-term experience in healthcare administration, expressed his concerns about the challenges and reluctance in the healthcare industry to make necessary adjustments and take risks. He highlighted the increasing older population's need for more healthcare providers, yet many are closing their practices. Matt furthered these concerns, pointing out the rising costs of delivering care, the apathy in the system, and the lack of transparency in payment and administrative processes. He emphasized the urgent need for a comprehensive understanding of the business side of healthcare, likening it to Henry Ford's early 1900s revolution in the automotive industry. Transforming Healthcare Revenue Cycle Management Matt emphasized the need for a significant transformation in the healthcare industry, particularly in revenue cycle management. He identified the issue as one of high turnover, low wages, and a lack of motivation due to the high number of touches required to get payment for services. He suggested reducing touches and using non-emotional objective data to hold people accountable for their work. He also pointed out the problem of select patients in certain communities, which is a result of the high cost of healthcare services. Matt proposed that AI and machine learning technologies could help transform the industry, but only after identifying the areas where human involvement is crucial. Finally, he stressed the importance of helping providers drive margins and retain their independence to ensure access to quality healthcare services. Employee Clarity, Ownership, and Attitude Matt and Michael emphasized the importance of employees understanding their roles and the company's mission. Matt argued that lack of clarity on these points often leads to workplace dissatisfaction. Michael concurred, stressing that employees should take ownership of their experiences and strive to improve processes. He also highlighted the need for discipline and a positive attitude to make work more enjoyable and fulfilling. Both agreed that this approach benefits not only the individual but also the organization as a whole. Overcoming Burnout Through Self-Actualization Burnout in the workplace affects individuals differently despite having the same job and workload due to factors like mindset, energy levels, and approach to life. Michael and Matt emphasize the importance of self-actualization, discipline, and taking ownership of one's goals, using the example of a potential professional athlete who needs to be obsessed with achieving their dreams through consistent actions and effort. Self-Worth, Maladaptive Behavior, and Goal Setting Matt spoke about the challenges of self-worth and maladaptive behavior. He emphasized that individuals should not derive their self-worth from external factors such as other people's opinions or career success. Instead, he advocated for setting personal goals and building a lifestyle based on intrinsic values, highlighting that this approach fosters greater satisfaction and reduces stress. He also shared his own career journey, expressing regret for not following his instincts earlier in his career, and offered advice to his younger brother, encouraging him to pursue his passions without fear of failure. Goal Setting, Emotions, and Discipline Matt and Michael discussed the importance of setting and achieving goals, as well as the role of thoughts and emotions in their pursuit. Matt emphasized that one should question whether they are in the right role and passionate about their work. Michael suggested writing down daily goals and dealing with negative thoughts by understanding their triggers and learning from them. They both agreed on the need for discipline and consistency in pursuing goals, and the impossibility of escaping one's own thoughts by changing locations or circumstances. Matt's Journey to Sobriety and Lifelink App Matt emphasized the importance of living in the present moment and not dwelling on future worries or past failures. He shared his struggles with anxiety and how it manifested in his sports activities as a child. He also discussed his journey towards sobriety and the creation of the sober app, Lifelink, with his twin brother. Matt highlighted the importance of personal responsibility in overcoming addiction and encouraged listeners to seek help if they were struggling. Selflessness and Kindness: Making a Positive Impact Matt emphasized the importance of selflessness in life, stating that focusing on others and serving them without expecting anything in return had a positive impact on himself and those around him. He shared his hope to inspire others to continue this selfless spirit even after he's gone. Michael also shared a personal experience where his small act of picking up litter and disposing of it properly made a positive impact on someone else's day, highlighting the significance of such simple acts of kindness. Empathy, Gratitude, and Helping Others Michael and Matt discussed the importance of helping others and being grateful for their own blessings. Matt shared how a simple act of kindness, like coaching a child in baseball, can make a significant impact on someone's life. They also discussed the value of empathy and how it can lead to a ripple effect of positivity. Matt encouraged people to take small steps towards helping others, and invited listeners to connect with him through his LinkedIn and LifeLink app.

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Paul Franco is a Certified Financial Planner™️️️, Chartered Financial Consultant®️️, Behavioral Financial Advisor, and founder of Life Well Lived Financial Group, an independent wealth management firm. A thirty-year veteran of the financial advising industry, Paul operates three locations in Colorado, where he enjoys skiing, hiking, running, fishing, and traveling. He is the author of Success with Succession: How to Sell Your Asset Management and Financial Advice Practice. Summary Paul Franco's background and business strategy @ 0:00 Paul Franco is a 30-year veteran of the financial services industry, with a firm called Life Well Live Financial Group in Colorado. Over the past 8-10 years, he has focused on acquiring the practices of retiring financial advisors as a growth strategy, rather than trying to build his client base one client at a time. The importance of succession planning @ 4:39 Paul explains that he came up with this acquisition strategy after realizing that most financial advisors and business owners are unprepared for their own succession and retirement. Many think they will never retire, but fail to plan for the unexpected. Paul emphasizes the importance of having a clear succession plan in place, even for younger business owners. Challenges with abrupt transitions @ 12:57 Paul shares an example of an early acquisition where the retiring advisor did not provide enough time for a smooth transition, leading to many clients choosing to leave rather than work with the new advisor. He stresses the importance of allowing ample time for the new owner to get to know the clients and build relationships before the full transition. Collaboration over competition @ 18:19 Michael and Paul discuss the value of viewing other businesses in the same industry as colleagues rather than competitors. They emphasize the importance of networking and building relationships with potential buyers or sellers, rather than operating in silos. Paul's book on selling financial advisory practices @ 19:27 Paul shares that he wrote a book called "Success with Succession" to help financial advisors and other business owners prepare their practices for a smooth sale or transition, rather than just closing their doors and leaving clients in the lurch. Recap and resources @ 23:04 Michael and Paul wrap up the conversation, with Paul providing his website (successwithsuccession.com) where listeners can find more information and sign up for his newsletter.  

Welcome to Finance Fridays with Brad Tefft, Senior Mortgage Broker for Positive Money. What happens if you're a small business owner and you want lending for your investment properties? In this video Brad walks us through the options that are available to SMEs, the verification process for those options and what exactly the banks are looking for when you stroll through their doors looking for a loan. Let's Wealth Coffee Chat!

You want to build wealth but don't know where to start? 

Right now in 2024 the blockchain and NFTs are being talked A LOT. Let us help guide some of your future research on the topic. As with all Finance Fridays this is not financial advice and do your own research. This is educational and informational only. _______________________________Be sure to hit the subscribe button to get more free content from us#education #learning #coaching #podcast___TRY US OUT:24 hour access for ONLY $1: https://strengthcoachnetwork.com/monthly-order___CONNECT:

Original airdate 11.09.2023We had Savannah Arroyo, RN, MSN on the show to talk about her side hustle for health care professionals. She is particularly able to help nurses use their W2 finances to build wealth. She just closed on her 6th apartment complex. Check it out here https://www.instagram.com/p/C17tGMeBePh/As with all our Finance Fridays none of this is financial advice. Talk to your financial planner before taking any action.___TRY US OUT:24 hour access for ONLY $1: https://strengthcoachnetwork.com/monthly-order___CONNECT:

The Connected Yoga Teacher Podcast 330: Connect with Your Money with Shannon Crow   Description: Many yoga entrepreneurs are uncomfortable with their money, but connecting with your money is one of the keys to running a successful business. In this episode, Shannon Crow talks about why connecting with your money is so important and how to do it.   Shannon shares some of the activities she does to connect with her money including Finance Fridays check-in with her income and expenses, daily money check-ins and tracking her revenue and expenses. She also has some suggestions on how you can start connecting with your money too.    If you're a yoga teacher who wants to make more income and profit, or if you're feeling like you're spending too much or not getting ahead, this episode is specifically for you.    Key Takeaways: [1:54] This episode is powered by OfferingTree. [2:23] Shannon introduces her topic for this episode - connecting with your money. [4:11] Part of connecting with your money is knowing where your money is going and how it is being spent. [5:02] Shannon shares how OfferingTree allows her to keep track of her income. [6:16] Shannon shares her strategy for looking at her business finances. [7:44] Two things Shannon does on Finance Fridays are paying her bills and looking over the transactions that happened that week. [8:50] Shannon's plan going forward is to add in a daily money check-in. [10:27] Shannon also suggests starting to track your income and expenses if you don't already do that. [14:03] Start by looking at your money and finances at least once a week, if you rarely do! [14:35] Shannon invites you to consider some steps you can take to connect with your money.   Links: ‌Thread about having separate bank accounts on the Connected Yoga Teacher Group on Facebook The Connected Yoga Teacher Podcast Episode 329: Why Separate Bank Accounts? with Shannon Crow What Expenses Can I Claim as a Yoga Teacher? - The Connected Yoga Teacher The Connected Yoga Teacher Podcast Episode 280: Get Paid as a Yoga Teacher with Shannon Simmons ‌Shannon Crow on Instagram The Connected Yoga Teacher Facebook Group Pelvic Health Professionals   Gratitude to our Sponsor, OfferingTree.   Quotes from this episode: "You need to know how that hard earned cash is being spent."   "Wherever you're landing today, know that we are on this journey together, tackling our money mindset as yoga teachers and entrepreneurs and taking more of a look at the numbers."   "The two main things that I do on [Finance Fridays] are paying all my bills and looking at all the transactions that happened over that week."   "Make sure you're tracking your business expenses."  

Are you ready to start feeling better about money, so that you can make MORE of it — joyfully and on your own terms?Women, and particularly women entrepreneurs, have a tendency to hold themselves back when it comes to having MORE — more wealth, more prosperity, more abundance. Often, this resistance to having more stems from unconscious beliefs that we hold about money, beliefs that we learned as children and that have been passed down to us by our families, our mentors, and society as a whole. Our beliefs about money can create powerful money blocks that hold us back from making our biggest, boldest power moves… and even make us feel guilty for wanting to be paid what we're actually worth! This can lead us to undervalue our offers, to choose not pursue the biggest and juiciest contracts, and to think small rather than thinking BIG.Healing your money mindset will have incredible benefits, not only for your business but for your overall life goals.Tune in to learn how to recognize and move through your money blocks, and why wanting MORE doesn't make you greedy or selfish… it can actually help you create an even bigger impact! In‌ ‌this‌ ‌episode,‌ ‌you'll discover:‌ ‌3 areas in your life that are potential sources of money blocks — and how to identify your limiting thoughtsA 4-step process for working through unconscious money beliefs so that you can start thinking big!The #1 question that helps me figure out whether a client may be experiencing a money blockTimestamps:‌ ‌00:34  Unconscious programming01:33  Money blocks03:40  My money block story04:57  The 6-figure question & assumptions10:33  Past ideas12:02  Present ideas15:27  Future ideas20:22  Which source is most predominant?22:51  Identify your biggest block24:56  Address the thought27:43  Change how you speak31:06  Shift your actions35:49  Choose your priority42:00  Karen Choi, Finance Fridays & recapLinks mentioned:‌ ‌The Business of Thinking Big Episode #3 — 5 Money Beliefs Holding You Backhttps://www.liannekim.com/blog/3 The Business of Thinking Big Episode #179 — Changing Our Relationship With Moneyhttps://www.liannekim.com/blog/179 Building a Joyful Businesshttps://www.liannekim.com/book —Learn with me: https://www.liannekim.com/dreamclient‌Connect with me:  Facebook: https://www.facebook.com/liannekimcoach  Instagram: @liannekimcoachJoin the Mamas & Co. community to get access to valuable resources and the support of likeminded mompreneurs and mentors: https://www.mamasandco.com Instagram: @mamasandco

What if a documentary crew was following you around filing everything you did. Would you love differently? Would you make different choices? Our character is who we are when no one is watching. The goal? Make the same daily choices whether everyone is watching or no one is.P.s. Are you a Network Marketing Professional? Are you where you want to be in your business? Do you consistently work your business? If the answer to either of the last two was NO, it's time to commit to a 90 day cycle with the 90 Day Habits Journal! Head to www.90dayhabits.co to get yours today!Timestamps: [2:66] Falling in love with your life. [5:57] If there was a documentary being filmed on your life... [8:52] What are your upcoming scenes? [13:00] Sandy's meditative experience. [19:54] Finance Fridays. Upstarter Podcast NetworkUpstarter Podcast Network has everything you need to help your podcast find success - from launching your show to editing and management, check out Upstarterpods.com and sign up for a free Discovery call to see how they can help you.Instagram--Let's Connect!To get more info and updates on the podcast@gettingmagneticFollow our personal Instagram accounts@sandyclaus7@wellnesswithwadeCheck out our website for all things Getting Magnetichttps://www.sandyandwade.com/

On this episode of Athlete to Adult, host Danielle Day speaks to Allie Petersen! Allie grew up in Wisconsin and swam at University of Kentucky - go cats! Allie graduated with a Business Administration/Finance degree. She then spent two years at Lowe's as a Financial Specialist. Allie is back at Lowe's as an accountant, but her journey took a few turns along the way, including going back to school to get a Masters in Sports Administration. We talk about - how Allie developed confidence in herself while finding her identity outside of sports - Allie's journey from athlete to accountant to academic advisor back to accountant - how Allie balances her full time job as an accountant with her passions - Allie's advice for those transitioning to adulthood -- "Slow down and enjoy the transition." You can find Allie on Instagram at @alliepetersen! Check out her stories on Finance Fridays to learn more about personal finance. Happy listening! If you enjoyed this episode, subscribe to the show, recommend it to a friend, or leave a rating or review. If you'd like to learn more, check out our website, www.athletetoadult.com, or follow us on Instagram @athletetoadult! Intro/Outro Music: "Easy Lemon" Kevin MacLeod (incompetech.com). Licensed under Creative Commons: By Attribution 4.0 License. creativecommons.org/licenses/by/4.0/

Today's guest is Susie Jackson, a finance and pricing mentor for freelancers from the U.K. Susie helps freelancers figure out how much to charge and how to manage the financial side of our businesses so we can earn a decent living doing what we love. Susie is also a freelance copy editor and a Spanish-to-English translator specializing in academic texts for the social sciences. Susie likes that she's able to build her business around her energy levels. She also builds in one weekday per month to get out into nature, which is critical for her mental health. A few years ago Susie became a financial and pricing mentor. Her dad was in banking, so she grew up with healthy conversations and lessons about money. She began offering her “Charge with Confidence” group program in 2020. Susie doesn't like the approach that many people take: setting their rates based on industry averages or what other people charge. There's no guarantee that those rates will cover your needs, which can result in a feeling of helplessness and defeatist attitude. And that often means that clients are dictating what they can charge. Susie believes we as service providers should be setting our own prices—and do so based on what income we need, not what we think our customers can afford. Not every client is going to have the budget to pay your rate. That's normal. If you're never hearing ‘no,' you could probably be charging more. Value and affordability are two different things. Susie recommends including two options when submitting a quote or a proposal. One quote should align with their brief, but then include a second quote at a lower rate, which requires them to compromise on something. “A negotiation is a compromise.” Providing two (or more) choices is much better than saying, “I'm open to negotiation,” which Susie never recommends saying to a potential client. Before pricing a project, we need to do some groundwork. The first thing is to understand your financial needs for both your business and personal expenses and then know what your minimum financial goal is—and then also set an aspirational goal. You also need to figure out how many hours you can realistically do paid work without burning out. We tend to overestimate our available hours, and the only way to beat this is by tracking time, which helps us see what is realistic and sustainable. Susie also talks in detail about when and how we should think about increasing our rates. She also gives advice on what language to use with clients when raising your rates. Susie chimes in to the debate of whether we should put our rates on our websites. Susie recommends a “profit first” system, which is based off the book “Profit First: Transform Your Business from a Cash-Eating Monster to a Money-Making Machine” by Mike Michalowicz. The book wasn't written for freelancers, but Susie goes into detail of how she's adapted this philosophy for her business. Susie also talks about how to track our proposals, projects and finances. Susie does not believe that people are inherently bad with money. When people say, “Oh, I'm just bad with money,” she replies, “How can you expect to be good with money if you've never been taught how to manage it?” Biz Bite: Use a Task Prioritization Grid Resources: Susie's website Susie's free resources, including a budgeting spreadsheet, virtual Finance Fridays office hours, blog posts and more. Blog post “Task Prioritisation and the System I Use to Manage My Workload” Susie on Instagram “Profit First: Transform Your Business from a Cash-Eating Monster to a Money-Making Machine” by Mike Michalowicz. Join the Deliberate Freelancer Facebook group. Support Deliberate Freelancer at Buy Me a Coffee. Subscribe to the Deliberate Freelancer newsletter. Episode #28 of Deliberate Freelancer: Take Charge of Your Finances, with Pamela Capalad Episode #91 of Deliberate Freelancer: #91: All Things Pricing: Project Rates, Day Rates, Retainers and More, with Jennifer Duann Fultz  

In addition to working with individual clients, The Financial Gym provides a number of services to companies and membership organizations of all sizes. These can include webinars, engaging online courses, and a new service called Trainer on Demand. To talk about how these services can benefit employees, our host is Sue, a member of The Gym's Business Development Team.  Joining her today is Conor, the Learning and Development Manager at Justworks, to talk about the evolution of employee benefits and how Financial Training has had a positive impact on their team.  Podcast Notes In 2021, Justworks launched ‘Just Be Well,' which focuses on four aspects of employee health for the Justworks team. They want employees to be healthy, happy and engaged so they can continue to grow with Justworks.  There are four areas of focus with Just Be well: mental health, physical health, healthy work habits, and social well-being.  The Financial Gym benefits fall under the social well-being category. It started with Finance Fridays and webinars and expanded to include Trainer-on-Demand this fall.  Employees can turn to The Financial Gym Trainers for answers to questions without worrying about feeling judgment or shame. They can talk about navigating a budget, student loans, saving, or any other financial-related questions. Conor personally finds a lot of value in the service. There are little ‘aha' moments while talking through finances with a Certified Trainer. Employee wellness is critical in running a successful business. Thinking about money and budgeting can be stressful. Having a trainer to work through questions with is an amazing employee perk. The goal is to empower people and give them the tools to be successful financially.  For people looking for work, employee benefits are a huge aspect of a compensation package. Financial Wellness is only going to become more important over the next few years and helping employees in this part of their life can be transformative. Employee benefits are changing and evolving and will continue to in the next few years.  If you're interested in learning more about what benefits The Gym can offer your employees, you can learn more here or get in touch with Sue directly!  sue@fingyms.com or enterprise@fingyms.com    Check out JustWorks - HR for Businesses WEBSITE: justworks.com

Today Maria shares her philosophy on creating photography packages that ensures her business is profitable, her clients feel pampered and her artistic soul is fulfilled.Introduction (3:32)Tips on being organized (5:52)I have ADHD, so being organized is really hard. I recommend the book “The One Thing”. I try to remember that just because something is urgent, doesn't mean it's a priority. I choose one theme for a day: “Marketing Mondays”, “Finance Fridays”, etc. I also put non-negotiables onto my schedule first.How have you structured your fine art photography packages to be both profitable and rewarding? (16:40)Editing - I started physically setting a timer to limit the time spent editing each image. I also started editing from further away and not zooming in so close, rather focusing on impact.I also structured my photography packages so I could charge well and have less clients, and give each client more quality time. I know exactly what my max clients per months are.How many images do you provide? (25:43)20.My standard photography package includes an 8x8 album for $1800, and then digitals for $700 more. You can overdeliver in other ways than just providing more photos. You can perfectly prepare your clients for their sessions by creating structures in your business to best serve them. I create regular videos to keep the excitement levels up. It's not about the number of pictures they get. There are clients out there who want a one-stop shop.How do you draw inspiration when you're feeling low? (32:47)When I am planning the session with clients, I ask them to write down how they want to feel when they see their images. I draw inspiration and motivation from their answers and strive to create that for them. I always try to create at least one “goddess image” or a set of images I do just for myself.What is your process when you have a new idea? (39:03)I get a lot of ideas from music videos. These artists can take the story of a whole movie into a 3-minute video. I then see how I can take that video and translate it into one image, one photo that tells the whole story. I keep idea lists in Pinterest and on Youtube, and find that those ideas influence the end products I deliver. Lightning Round! (42:02)What are you artistically curious about? (47:48)I want to make documentaries about the women that I photograph and how it changes how they see themselves.Discover more about Maria ArellanoWebsite: http://www.maribellaportraits.com Tiktok: https://www.tiktok.com/@maribella_portraitsYoutube: https://www.youtube.com/c/MaribellaPortraits Instagram: https://www.instagram.com/maribella_portraitsBio: Maria Arellano is a Fine Art Photographer who has a successful studio in Houston, Texas. She has been a photographer since 2015 and specializes in creating portrait artwork for families who want to be a part of the artistic development of their portraits. Her specialty is children's fine art and women's portraiture. Whether in the studio or outdoors, Maria emphasizes the value of a great portrait experience, artistic portraiture, and fine luxury products.  Resources shared in this episode:The One Thing Book - https://the1thing.com/

As we get closer to the New Year, The Jigsaw Podcast wants you to get a head start on your New Year, New Me goals. On this episode, Josh & Bryan invited Anthony Walker, the CEO/Founder of Finance Fridays, to the living room to discuss principles of financial freedom, the importance of saving money, the future of crypto currency, and ways to create generational wealth, identify our financial mistakes, and improve our financial outlook. Meet the guys in the living and be prepared to take notes.    Connect with Anthony on IG @_financefriday_ or by visiting the website - finance-friday.com   Song of the Week:  Silver Bells - The Clark Sisters Bless Up - Enzo Footwear and Apparel   thejigsawpodcast.com IG: @thejigsawpodcast Email: askthejigsaw@gmail.com

This episode is brought to you by my new program The Profit Rx. If you've been following along here on the podcast, you know that the doors opened to the Profit Rx officially, a couple of weeks ago. The Profit Rx is your prescription to help you build a healthy and wealthy business. Help you avoid that financial anxiety. pay yourself more. tackle your taxes. All of these good things. For all of the information you can go to theprofitrx.com. You can join us on our twice weekly Co-working calls, Finance Fridays, get all of the good stuff, so go check it out. In today's episode. I am going to be explaining to you all about the profit and loss statement, so what a P&L is, Um, how they work and in order to do that, I'm actually going to be walking you through an excerpt of our Profit Rx textbook. So a P&L, or a profit and loss is also often referred to as an income statement. That's like the more official term for most accountants, but I like P&L, because it's shorter to say, and also, profit and loss is pretty clear as to what it is that we're covering a profit. A Profit & Loss, or P&L for short, is created by and for your own company. It's typically not submitted anywhere. The P&L shows a snapshot of income, expenses and profit. If prepared correctly, it shows your self-employment income from that business. So in our book I have a snaps shot of a P&L. I'm going to kind of describe it to you, since obviously you cannot see it.

On this episode of the podcast I share how I increased my credit score by 100 points in 6-8 months. I think it's important that we as business owners get more comfortable sharing more about our personal finances. Everything from profit to saving for taxes to how much we pay ourselves and how this all relates to our personal finances like our credit scores, our savings, our emergency fund, our retirement savings, our loan repayments, our credit cards, etc. They're very taboo topics so I've found the best way to discuss them is to start sharing. To give you my background with credit, my journey started my freshman year of college when someone offered me a credit card. I signed up thinking there were no consequences. Luckily I only used it to buy my books, so about $1,000. But I didn't have $1,000 to pay it back so my credit score immediately tanked and stayed there for about five years. When I got to law school I had a car loan my mom was co-signed on and I think I made that payment on-time about 60-70% of the time. On-time payments are the biggest factor for credit score. According to Credit Karma, 99% on-time is considered fair and 97% is not so great and anything under that is considered poor. Even now, I'm at about a 94% on-time with my payments. My big tip is to pay on time because late payments stay on your report for seven years. I wasn't always checking my credit score when it was at its lowest, but the lowest I ever checked it at was 520. About a year ago I made a conscious effort to start raising my score and it was sitting between 520 and 540. Right now I'm sitting at about a 650. Not great, but it's gone from poor to fair and will reach good in the next few months. To raise my score, there are a few things I've done. My first big jump to over 600 was when I opened a secure credit card which is where you pre-pay your credit card limit. I put a streaming service on auto-pay on the card to keep it active at a low amount because I did not trust myself with credit. Once I hit 600 I was able to start getting non-secured credit cards and I applied for the Capital One Quick Silver card which comes with rewards. My score went up a little bit more. I also paid off an AT&T bill in collections from years ago. This led to my score peaking in March of this year at 644. Two months later my score went down to 595. This spring was rough for my business so I was putting more on my card which caused my score to drop even though I was making payments on time and didn't have anything in collections. No mistakes were being made but my utilization percentage (how much of your credit card limit is being used) was at about 70%, much higher than the 20% I'd been keeping it at. Last month it went back up to 640 and I'm expecting it to go up even more because since then I've paid off all the credit card debt thanks to my 10k in 10 days challenge. My goal is to keep my credit limit below 20% and not more than I can afford to pay back. In my student calls we talk about credit, what order we should pay things off, is it worth opening a new credit card, do you even want to have a credit card (the Dave Ramsey method would tell you no). I think credit cards can be a useful tool if used responsibly. I would love for you to share your credit goal in the Braden's Besties Facebook group. Right now my goal is to increase my credit score to 720+ before October to buy a new car. I plan to cover credit and financial goals in my upcoming course where we'll review bookkeeping on Finance Fridays and how to get you closer to your goals of a full-time income from your business.

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 best-selling books Millionaire Teacher & the book that made me leave the Financial Services industry, Millionaire Expat AKA “The Book That Your Financial Adviser Don't Want You To Get a Hold Of” He's been featured on CNBC, The Wall Street Journal, Business Insider, and has written columns for The Globe and Mail, Canadian Business, MoneySense, Internaxx and AssetBuilder. Since 2016 he has spoken at businesses and international schools in over 30 different countries. He's also the first person to have a #1 selling finance book on Amazon USA, Amazon Canada and Amazon UAE. -- Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Coach based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog along with Seigmond Abad. June 2020, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution being asked by Philhealth. He also hosts Business Mondays, Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be listened to on Pera & Purpose Podcast available on Spotify, Apple Podcast and other major podcast platforms.

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 answer, I have invited Michele Ferrario, the CEO & Co-Founder of StashAway. In January of this year, Stashaway became the first digital wealth manager in Southeast Asia to manage more than $1 billion, and early this week, they have raised US$25mil in Series D funding led by Sequoia Capital India. This goes to show how promising the company is and the entire Robo-Advisory industry in general. Prior to SA Michele was the former CEO of Zalora Group and the co-founder of Rocket Internet in Italy and Pakistan. He worked as Investment Manager at Synergo and as Engagement Manager at McKinsey. He earned his MBA at Columbia Business School and his Bachelor of Science in Finance at Bocconi University in Italy. -- Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Coach based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog along with Seigmond Abad. June 2020, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution being asked by Philhealth. He also hosts Business Mondays, Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be listened to on Pera & Purpose Podcast available on Spotify, Apple Podcast and other major podcast platforms.

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 cryptocurrencies and how to avoid crypto scams! Should you really consider putting your money in bitcoin or other cryptocurrencies? --- Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Coach based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog along with Seigmond Abad. June 2020, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution being asked by Philhealth. He also hosts Business Mondays, Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be listened to on Pera & Purpose Podcast available on Spotify, Apple Podcast and other major podcast platforms.

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 homemaker and now a writer and speaker on money and family using Behavioral Economics principles. She graduated with honors with a degree in A.B. Economics from the Ateneo de Manila University, pursued Behavioral Economics in consultation with the Father of Behavioral Economics and Nobel Laureate Richard Thaler and Dan Ariely of Duke University. She completed an Executive Course on Behavioral Economics at the Harvard Business School. She'll tell us some basic information about Behavioral Finance and why Financial Education alone is not enough to get better at our finances. Buy her books: www.fqmom.com/bookstore Follow FQ Mom on FB: www.facebook.com/FQMom --- Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Coach based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog along with Seigmond Abad. June 2020, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution being asked by Philhealth. He also hosts Business Mondays, Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be listened to on Pera & Purpose Podcast available on Spotify, Apple Podcast and other major podcast platforms.

On this episode of the podcast I chat with Los Angeles DJ Courtney Ibarra, better known as DJ Dazzler about her business and how she leaned into the business owner title. This episode is brought to you by my new FREE Masterclass, "The Most Common Legal and Tax Mistake at Each Stage of Business and How to Avoid Them." This Masterclass will cover if it's time to go from a sole proprietorship to an LLC or an LLC to a S-Corp and how to properly run an S-Corp. You'll learn how to get more profitable in a snap and put your taxes on auto-pilot as well as how to manage the growth of your business without fear of IRS hate mail or lawsuits. Click here to sign up for the Masterclass. When we don't account for our money, we have no idea how much we have. When it comes to bookkeeping and setting up a business bank account, we get a better understanding of our business and if we are truly makin money and being profitable. The subject of money can be scary and unattractive to people. The goal is to make it clear and accessible and for everyone to feel comfortable talking about finances, back taxes, and our relationship with money. It's okay to start over in your established business when it comes to unf*cking your biz. Having been in business for a decade, DJ Dazzler knew she had financial and legal aspects of her business she needed to improve. All of it at once can seem overwhelming, especially when you're trying to organize everything at tax filing time. Courtney noticed it was easier to take small steps. Every Friday she has started doing Finance Fridays where she revisits her receipts from the week to log her expenses based on the receipts that she organizes as business or personal in a file folder by category each time she shops. Get in touch with our guest Courtney Ibarra, known as DJ Dazzler Follow DJ Dazzler on Instagram @dj_dazzler Check out her website djdazzler.com

Find other options to convert your change into cash for free! And without paying a fee! What's up everyone, you're listening to the Finance Friday edition of Budgets & Brews where we discuss, chat, and ramble, about your finance tip of the week. Join us anytime by looking at our Budgets & Brews calendar

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 not doing charity. They are are compensated by financial companies via commissions. If they are giving "advice", they get something out of the products sold. It is still fine if the product sold is suitable, but sometimes, it is not. There lies the catch. There is always that angle of conflict of interest that one needs to be aware of. You really don't know whether what they are selling to you is really good for you or good for them as a commission-generating sale. On the other hand… There are those who are fee-only advisers or “fiduciaries” who are legally obliged to act in your best interest. They usually charge a flat salary or fee or receive a cut (1 percent is typical) of the assets under management. Because of the compensation structure, these advisers are seen as having fewer conflicts of interest than commission-based advisers. Fee-only advisers are rare in the Philippines, and I know that there are still a lot of commission-based advisers who truly have the heart to help their clients. So in this somewhat controversial topic in the Financial Services Industry, I have invited Mr. Aya Laraya. He instantly became one of my FinLit heroes when I first watched his Pesos and Sense program. He's been involved in different financial industries in the Philippines since 1989. He is a Certified Securities Representative, a Registered Financial Planner, a Certified Investment Company Representative, a Realtor, a writer with an MBA from University of Western Australia and the Founder of Ronin TVM App, a mobile app for financial advisers to efficiently engage clients and prospects. In this episode we'll tackle the REAL cost of free advice, what you need to be careful of when getting a free advice, how to find the right adviser, and more! --- Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Coach based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog along with Seigmond Abad. June 2020, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution being asked by Philhealth. He also hosts Business Mondays, Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be listened to on Pera & Purpose Podcast available on Spotify, Apple Podcast and other major podcast platforms. --- Send in a voice message: https://anchor.fm/perapurposepodcast/message

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. So if you want to make the most of your investment, you must keep those fees as low as possible. I'm so thrilled by my next guest as I consider him as a celebrity when it comes to Expat Investing here in the UAE! Steve Cronin has advised the top management of banks, asset managers, and sovereign wealth funds all over the world, including princes and prime ministers for over the past 17 years. He is a Board Member of SimplyFI.org, a Debt Panel contributor for the popular newspaper, The National, and a Corporate Wellness expert. In 2016 he set up a small blog about saving called DeadSimpleSaving.com, primarily for expats. Whether you're an expat or not, I'm telling you to NOT MISS THIS SPECIAL EPISODE WITH STEVE!! -- Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Coach based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog along with Seigmond Abad. June 2020, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution being asked by Philhealth. He also hosts Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be listened to on Pera & Purpose Podcast available on Spotify, Apple Podcast and other major podcast platforms.

It's not your salary that's going to make you rich, it's your saving and investing habits. In my next episode, I'll be joined by Aries Baloran. He is based in Italy where he started as a driver & helper, and now working as a gardener.  But don't be fooled because he is also a stock market trader & investor, an entrepreneur, a freelance graphic artist and web developer and a Financial Literacy Advocate! He shared an awesome tip on how you can encourage your partner to start investing, how they survived the pandemic, how he teaches his kids about money and the importance of involving the entire family towards their financial goals. Most importantly, he shared his stories and strategy on how he earned his first Mil. -- Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Coach based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog along with Seigmond Abad. June 2020, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution being asked by Philhealth. He also hosts Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be listened to on Pera & Purpose Podcast available on Spotify, Apple Podcast and other major podcast platforms.

Jumping from one job to another come in varying distances. Some feel lofty and risky. Some are difficult yet manageable. When considering whether or not to make a jump, there tend to be more convincing reasons to stop taking the risk. After all, the justified mind wouldn't trade the security and stability of the present moment for an unpredictable and rocky future. In this episode, my next guest will help us uncover the the rationality of taking the leap, discuss the proper mindset needed to make a successful jump and a list of check lists before finally making your first or next leap of faith. Jesi "Jog" Bondoc is a Resident Lecturer and Panelist at the Association of Registered Financial Planners in the Philippines, an owner of several businesses like Rolling Mountains, Tea Creations Inc., XP Parcel and Anytime Fitness Gym and many more! He also has his own column at Manila Times newspaper. His articles have been published in Money Sense Magazine, Business Mirror, Rappler, Manila Bulletin-Panorama and Woman Today on topics covering personal finance and investments. He has more than 15 yers of experience in the financial services industry and has conducted multiple personal finance, retirement planning, cash flow management and investment planning seminars to various companies and associations in the Philippines that includes Prulife UK, Veterans Bank, AXA, Metrobank, Sunlife,FWD, Smart Communications, PLDT, DepEd, COA, Ateneo Graduate School, De La Salle University, UST, DHL and more. Also a regular guest as a financial expert on ANC channel's TV show “On the Money”, Shoptalk, Bloomberg and Solar News. -- Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Coach based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog along with Seigmond Abad. June 2020, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution being asked by Philhealth. He also hosts Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be listened to on Pera & Purpose Podcast available on Spotify, Apple Podcast and other major podcast platforms.

Does the way we value ourselves impact our capacity to earn more (or less)? Do you value yourself based on your paycheck or what you own? Or Self Worth before Net Worth ba muna?
 Well, let's invite someone who has been advocating Self Worth since day one and who's now living life in his own terms through vlogging! RTD is back! This time around we'll be discussing the importance of knowing your worth, how you can begin your journey towards loving yourself, the common misconceptions about self worth and how you value yourself directly impact your finances. --- Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. Last year, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution being asked by Philhealth. He also hosts Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be streamed on Pera & Purpose Podcast.

“The best investment you can make is an investment in yourself. The more you learn, the more you'll earn.” - A quote by Uncle Warren B. Whether you're considering going to college or university, or you just want to expand your knowledge with a course – studying has many benefits. One of which is gaining the essential skills needed to be happier in your career, or even finally figuring out what job is actually right for you. In my next episode, I'll be joined by Rene Paolo Isyasa. A 24-year old startup founder who built CourseBelt, an online learning platform that provides comprehensive and flexible access to quality education. Last year they have attracted 21,000 students since the pandemic began! In addition to earning better, we'll talk about how his love for learning helped him become a young CEO. Also, he will share a few good reasons why you should start studying and how you can stay motivated to learn or upskill yourself! --- Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning and Award in Investment Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He worked as a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. Last year, he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August 2020, he was invited to speak in Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution being asked by Philhealth. He also hosts Finance Fridays, and Real Talk On Real Estate thru his Purpose Driven Finance FB page & YT channel, which can also be streamed on Pera & Purpose Podcast.

Bakit pag pinag-uusapan ang ugali ng mga Pinoy tungkol sa pera, kadalasan eh yung hindi magandang traits ang napag uusapan? Ibahin natin ang usapan this time at sasamahan tayo nila Michael, JanJan, Mark at Karl. Sila ang mga kapatid natin na based sa Singapore na mas kilala sila as the Overseas Filipino Entrepreneurs! Sa episode na to with OFE, we'll talk about the positive traits that we Filipinos are known for and how we can use these characteristics to build our wealth! Participate in my survey: https://forms.gle/cddBN1ua5xzZN3T67 --- Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning & Award in Investment Planning and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August he was invited to speak in front of Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution asked by Philhealth. He also hosts Finance Fridays and Real Talk On Real Estate thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.

BUSINESS OWNERS & ASPIRING BUSINESS OWNERS LISTEN UP! One of the seven habits of highly effective people, as Stephen Covey said, is to begin with the end in mind. As successful entrepreneurs, we also have to think about the exit plan from the very beginning if when the time comes that we need to sell our business. But how?! Many business owners fall into the trap of overvaluating their business and most decide to sell their business when it's already too late, usually, when they're already facing losses and close to bankruptcy! Don't worry because my next guest is Michelle Seiler Tucker, Founder and CEO of Seiler Tucker Incorporated. As a 20-year veteran in the M&A (Mergers & Acquisitions) industry, she is regarded as the leading authority on buying, selling, fixing, and growing businesses. Her and her firm have sold over a thousand businesses in almost every vertical and have a remarkable track record of success. She's been featured in INC, Forbes, Entrepreneur Magazine, USA Magazine, Fox Business News and CNBC. She's an international keynote speaker and has spoken alongside many prominent speakers like Eric Trump, Arnold Schwarzenegger, Kathy Ireland, Donna Karen, Stedman Graham, Randi Zuckerberg, Steve Wozniak, and more. She's also the Best-Selling Author of the book “Sell Your Business for more than It's Worth” and has a new book called “Exit Rich®.” In this episode we'll talk about building a sustainable, scalable, and sellable business utilizing her proven techniques outlined in her newest book Exit Rich®. Participate in my survey: https://forms.gle/cddBN1ua5xzZN3T67 --- Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning & Award in Investment Planning and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August he was invited to speak in front of Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution asked by Philhealth. He also hosts Finance Fridays and Real Talk On Real Estate thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.

Warren Buffet is arguably the most famous investor on the planet, and his investing style is called "Value Investing". Old school 'tong si Uncle Warren, and in these modern times, with the advancement of technology and other investors who developed new ways of investing, meron pa bang sense i-apply ang kanyang technique? My next guest is Ms. Salve Duplito, she's a Registered Financial Planner, and one of the most respected financial journalists in the Philippines, co-host of On The Money, a personal finance show aired on the ABS-CBN News Channel. She shares personal finance tips and strategies, and widens the discussion on consumer and investing issues, and she is also a huge fan of Uncle Warren and his Value Investing strategy! I've watched her program since 2015, and I'm really inspired by her undying advocacy for Financial Literacy para sa bansa naten. Dream come true talaga 'tong interview ko with her! Participate in my survey: https://forms.gle/cddBN1ua5xzZN3T67 --- Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning & Award in Investment Planning and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August he was invited to speak in front of Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution asked by Philhealth. He also hosts Finance Fridays and Real Talk On Real Estate thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.

Whether you're a company owner or a professional who feels like it's time for a shift, making a change may be stressful and daunting. Change itself is scary enough. There's a lot of apprehension before trying something new, and when you add further questions about your future, growth opportunities, and risks/rewards, it's even more difficult. My next guest is Mr. Expat Entrepreneur himself, Francis Errol Medina. A former Head of Strategic Marketing and Business Improvement for Hilti Middle East, Turkey and Africa. In 2019, he took the leap and became a full-time entrepreneur working with budding businesses such as FJ Prime Management Inc., MyHome Manila, Innovate Create Events and FJPMI-Mercato Central Joint Venture where he serves as CEO, Board Director, and Partner respectively. Today, he is also one of the Co-Founders of Southville RAK (Ras Al Khaimah), the first Filipino higher education institution in the UAE. We'll talk about when you can successfully make the pivot for your career, your business, or your life – and how to pull it off financially. -- Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, Award in Investment Planning and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August he was invited to speak in front of Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution asked by Philhealth. He also hosts Finance Fridays and Real Talk On Real Estate thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.

I think one of the greatest deficiencies of our generation is our obsession with showcasing our deficits. What if we focus more on enhancing our talents, gifts and strengths? Embracing our weaknesses and doubling down on our strengths allow us to capitalize on what we do well, and build on what we need help with (whether through getting better at our job or improving our Personal Finance). My first guest for 2021 is Coach Ron Magsalin. He is a former Overseas Filipino who worked in Emirates Airlines as a Senior Cabin Crew for 6 years. Now a Gallup Certified Strengths Coach and a Registered Financial Planner, he facilitates transformational development by uncovering talents of individuals and help them use their strengths to their career, relationships, finances and other important areas of their lives. --- Jay Adrian Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and an Independent Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, Award in Investment Planning and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August he was invited to speak in front of Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution asked by Philhealth. He also hosts Finance Fridays and Real Talk On Real Estate thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.

Wouldn't it be cool to finally be someone other people look at and think, "Wow, ang galing mong humawak ng pera. Nakakabilib!" Do you still find yourself wishing for better money habits, but you just can't seem to change your everyday behavior? Good news! You can change your current behaviors entirely and become the person you always wanted to be! We are not inherently "good" or "bad" with money. However, over time, we have built good and bad habits around our finances, and this is what generally makes the difference between someone who manages money well and someone who doesn't. Rather than beating yourself up for your shortcomings, you can simply focus on building better money habits. Participate in my survey: https://forms.gle/cddBN1ua5xzZN3T67 --- Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, Award in Investment Planning and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August he was invited to speak in front of Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution being asked by Philhealth. He also hosts Finance Fridays, Real Talk On Real Estate, and Overseas Wealthy Filipinos (OWF) thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.

The world is the true classroom and evaluated experience is our best teacher. 2020 has been a helluva experience for the most of us In this episode let's evaluate the money lessons that we've all learned this year para mas mapaghandaan natin ang 2021! Participate in my survey: https://forms.gle/cddBN1ua5xzZN3T67 --- Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August he was invited to speak in front of Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution being asked by Philhealth. He also hosts Finance Fridays, Real Talk On Real Estate, and Overseas Wealthy Filipinos (OWF) thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.

Canada is a top destination for many Overseas Filipinos. Bakit nga naman hinde eh Filipinos who migrate to Canada either as a Permanent Resident or as a citizen, have access to all of the country's social programs tulad ng libreng health care, libreng pagpapaaral ng mga anak hanggang matapos ng highschool at marami pang iba! My next guest is Maricel Agustines, a Regulated Canadian Immigration Consultant (RCIC), member of Immigration Consultant of Canada Regulatory Council (ICCRC) and Canadian Association of Professional Consultants (CAPIC). She also worked in Dubai before migrating to Canada and for the last 10 years she has been involved in student counseling and permanent residence through economic immigration. Expat or not, expect a straightforward immigration advice! **Link to the survey: https://forms.gle/cddBN1ua5xzZN3T67 --- Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August he was invited to speak in front of Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution being asked by Philhealth. He also hosts Finance Fridays, Real Talk On Real Estate, and Overseas Wealthy Filipinos (OWF) thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.

Whether you're looking for an investment opportunity or just a place to live, there are some very important variables about buying a home that your real estate agent may not be telling you (or forgot to tell you). --- Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August he was invited to speak in front of Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution being asked by Philhealth. He also hosts Finance Fridays, Real Talk On Real Estate, and Overseas Wealthy Filipinos (OWF) thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.

Alam mo ba na the majority of the world's richest people, whose combined fortunes have reached more than $2.3 trillion, are degree holders and started their career in sales, according to a study by Forbes? In this world, you're either selling or being sold to. Either way, you have to choose a side. If you seek to understand sales, the highest-paying profession, you will become a millionaire. In my next episode, I'll be joined by Jonathan Petalver-- the Founder and CEO/President of the Petalver Management Consultancy Service, with over 20 years of experience as a strategic sales professional, entrepreneurial leader and strategic management learning provider. He is the Program Director of Transformational Sales Leadership Programs of the Ateneo Graduate School of Business – Continuing Center for Education (AGSB – CCE). He is the author of the 1st Online Masterclass in Creative Entrepreneurship. He founded The Sales Champ Academy, The Sales Champ Club, and THE (Training Hub for Entrepreneurship) ACADEMY. He also designs and conducts strategic learning programs, creative entrepreneurship and Executive Masterclasses programs to Top 1000 Philippine Companies. In this episode we will talk about the 4C's of Strategic Salespreneurship for you to be able to sell and win more in this New Norm! --- Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August he was invited to speak in front of Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution being asked by Philhealth. He also hosts Finance Fridays, Real Talk On Real Estate, and Overseas Wealthy Filipinos (OWF) thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.

Maliban sa Wills, ang Trusts ay isa ring magandang paraan para ma-distribute ang ating mga ari-arian the moment na matapos na natin ang ating misyon sa buhay. In this episode, I interviewed Coach PJ Roman. He is the Head of Business Development for AB Capital and Investments Corporation where they manage over 20 Billion Php in funds. Also he has 12 years in the Trust Industry, and a fellow Yaman Coach sa Personal Finance Adviser's (PFA). -- Jay Tolentino AKA “Kuya Jay” is a Financial Literacy Evangelist and a Financial Planner based in Dubai. He holds certifications from the Chartered Insurance Institute UK (CII) - Award in Financial Planning, and from the Registered Financial Philippines - Associate Financial Planner (AFP) and Registered Financial Planner (RFP). He is a Consultant in one of the top brokerage firms in the UAE and a Yaman Coach under the Personal Finance Advisers (PFA) in the Philippines. He got featured in ABS CBN Balitang Global in April of 2019 for the Empowered Expats vlog. This year he was given the Excellence Award in Insurance & Other Financial Services by the Filipino Social Club as part of the celebration of the Philippine Independence Day. Also last August he was invited to speak in front of Congress to represented the sentiments of many OF's regarding the mandatory 3% contribution being asked by Philhealth. He also hosts Finance Fridays, Real Talk On Real Estate, and Overseas Wealthy Filipinos (OWF) thru his Purpose Driven Finance FB & YT channel which can also be streamed on his Pera & Purpose Podcast.

We'll briefly introduce you to our speakers, Taylor and Mike, and share a bit of Q&A on current and general financial topics.

This Episode Features Crystal Barry of Flawless Finance. Simone and Crystal discuss generational wealth, how to build and maintain it. Crystal Barry is a wife, a mother, and native of San Diego, California. She is a Certified Financial Education Instructor (CFEI) and takes a Holistic Approach to financial planning by helping women pursue their life goals through proper management of their resources. Crystal created Flawless Finance to help women better manage their money, achieve financial independence, and build generational wealth. Her mission is to ensure their financial journey is flawless by focusing on proven building blocks of personal financial success. Crystal holds a BA in Finance from California State University, San Bernardino, an MBA from National University, and a California Real Estate Brokers License with over 10 years of sales experience. Crystal is the financial educator with Black Girls Guide to the Pivot on Finance Fridays. She has also been featured on the Black Girls Guide to the Pivot Podcast. She is currently serving as the Vice President of Membership of her local Toastmasters Club. She is also the Secretary, and Social Media Chairperson of the San Diego National Association of Real Estate Brokers. Crystal runs a successful photography business called CMB Photography during her spare time. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/simone810/message Support this podcast: https://anchor.fm/simone810/support

A research shows that genetics accounts for one-third of financial behavior, however, the researchers found that upbringing is an important factor in the investment behavior of young people but that its effect is replaced over time by the accumulated life experiences of the individual. In our next Finance Fridays, I will be joined by Ben Lebig Jr, an accomplished Global Finance Professional with more than 19 years Finance and related experience on various industries. Being an OFW for more than a decade already has taught him so many lessons about life and money. In his experience helping a lot of Filipinos in the UAE, he will tell us what really accounts to an OFW's spending habits. --- Send in a voice message: https://anchor.fm/perapurposepodcast/message

Na-experience mo na bang maubos ang savings mo nung nagkaron kayo ng emergency sa Pinas? In this pilot episode of Finance Fridays, I will be joined by Rienzie Bionela, a seasoned Registered Financial Planner with more than a decade of experience in helping families plan for their future! We'll discuss how an Overseas Filipino can avoid financial troubles when his or her loved one back home falls sick. --- Send in a voice message: https://anchor.fm/perapurposepodcast/message