Sharing Financial Literacy to OFW’s in Riyadh

I love teaching people, this is what I plan to do in the long run. I want to share you guys that I was invited to discuss Financial Literacy last month in the Philippine Embassy in Riyadh Saudi Arabia. I know it is a bit late to blog about this event but as the saying goes, it is better late than never. Anyway I reported this one at my Investment blog and my Instagram post


I taught them about the biblical principle of handling finances and debt. We also introduce different portfolio that they can enter as an OFW including the risk that they may face upon their enrollment. By the way I am a volunteer of Angat Pilipinas Coalition for Financial Literacy

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Facebook Post Management, Think Before You Click


I feel like writing today, I would like to share some insights about Facebook management.Because I saw facebook post that is really not good for branding or even for future reference.

Did you know that you can control who can see your post in Facebook? You may choose Only Me, Friends, Friends of Friends and Public. Below are my suggestion on how to use this options as follows:Only Me : There are some good information in the Web that you want to be bookmarked, Only me is a type of bookmarking tool of facebook so that it can only be seen by you. But I think if you want it to be private why would you like to post it online? Do you want to make facebook as your diary? Better make a blog, it will potentially add up yor cash flow later on.

Only Me: Sometimes, there is good information in the Web that you want to be bookmarked, Only me is a type of bookmarking tool of facebook so that it can only be seen by you. But I think if you want it to be private why would you like to post it online? Do you want to make facebook as your diary? Better make a blog, it will potentially add up yor cash flow later on.

For Friends: You can share information that You would like to share with you friends but not with strangers. I prefer to share my selfie, family pictures and day to day status to my friends. Remember that your friends can see all the status you are posting in the facebook whether your status is set to Friends of Friends or Public.

For Friends of Friends, I prefer to share some link which will need your friends endorsement. Like fore example if you are selling something, your friends might share it to their friends. If it is only set up to be Friends, their friends cannot see it. Sometimes when people see something being sold in facebook in he knows that you have mutual friends an endorsement from that friend will help a lot.

For Public – I prefer to post status that will make my social media branding. So what is branding? Branding is something you want other people to know you. As an example if you are branding your self as a Investor / Teacher, your post regarding investment shoud be shared publicly. If you want to be branded as a Professional Bloggers, your post about Blogging and tips about blogging should be shared publicly. Those are post that any facebook user can check when searching for your name.

Always remember that whatever you post in your social media account might back fire to you in the future. I know some HR personnel that they are now using Social media to background check their applicants. You must think before you click. Don’t put your rants in social media. Always remember that in the digital world, it is always possible that your post can be seen by millions of people and not only individuals whom you want to say your rants.

So be very careful. Think before You click.

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Mutual Funds Good for Starters

I have been teaching about Financial Literacy to different types of people here in Saudi Arabia, and what I have learned is that lots of people would like to start investing but the problem is that they don’t know how to start. As a suggestion, I would like suggest starting on Mutual Funds.

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Investment Goal Setting

SMARTThe stock market broke 6400 last Friday, February 28, 2013, and closed at 6424.99. The market seems to be in a good standing nowadays. I just hope that it continue this way, but just be aware that what comes up must come down. In the stock market we cal it correction. You need to be very careful in doing Tsupit mode in the stock market if you are in the stock market, I believe you know what I mean. You will never know if it will continue to go up or will it go down.

Others do cost averaging, and other use Technical Analysis in trading the stock market. What ever is your method in investing it is very important for you to know first your goals and objective in investing. Your goals will drive on what Risk can you take. When I say Goals it should be define and specific.

Entreleadership Book by Dave Ramsey quote as follows:

“Vague Goals are not Goals, they are dreams and wishes, you don’t want to end up being one of those dreamers who do nothing.”

We need to be specific in our goals, as an example if your goals is “you want to earn money”, the sentence or as mentioned is not complete you need to put time to complete your goal, is it 1 year?, 2 years? or more. You also need to specifiy the purpose of your goals. There are times that when we meet our goal, we don’t use it where we plan it to be used.

The Goals should be SMART, Specific, Measurable, Attainable, Relevant and Time Bound

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Blessings Through IMG (International Marketing Group)

I have been blogging for more than 7 years. From Blogspot to WordPress and so on. From bookmarking to SEO to Social Media Optimization and more. There are lots of evolution in the internet. Nowadays that my online earning is not as big as before, but still there are some passive income, I am now venturing to networking.

I found a great network which coincide with my fashion and advocacy to teach fellow OFW about Financial Literacy and Saving. I am now with IMG (International Marketing Group) I believe it’s a blessing for me and there are a lot of potential in this financial networking business.

I belong to TRM (Truly Rich Maker Group) and presently having a position of Field Leader.

The best thing is that I am now applying what I have learn through the years in blogging, specially SEO (Search Engine Optimization), and I can now get new members through email marketing and social media.

I thank God for this new source of income, which can be called as money machine and I pray that blessing will continue to pour and I could reach my goals in this business.

In IMG I share and I earn. I can help people go out from the rat race, and wake them up in the reality of financial literacy.

By now, I could understand what is the importance of  Health Care, Insurance and Mutual Funds. I know now the difference between Trading and Investing.

God bless me with supportive mentors and supportive wife and family in this business. Email marketing helps me to explore the possibilities of doing network even outside my territory.

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Can We Heal People As We Pleased?

Can We Heal People As We Pleased?Perhaps the question in my title might ignite a debate or a discussion among Christians. The Question is can a believer heal any sick people as he pleased. I would like to point the word “as he pleased”. The sentence gives and indication that we as a Christian has power in everything. But do we? My answer is “NO”, we don’t have power but God has power. We are only being used by God as his vessel but still the final decision is with God and God alone. This is why that sometimes when we pray for the sick people, they are being healed and sometimes not. It is because God has it’s own decision if he will heal those sick people whom we pray or He will not.

Some of you might question about FAITH, Faith is believing that God is there to help us, but Faith is not something to command God on what he needs to do in every situation in our life. We need to understand that when we accept Christ in our life, we ask Him to be in charge of our life and not us to be in Charge of Him.

Let me point you out in this bible verse:

2nd Timothy 4:20 Erastus abode at Corinth: but Trophimus have I left at Miletum sick

We all know that Paul is an instrument whom God is using to heal people. But why did Trophimus was left sick in Miletum (some translation says Mileta, Melotus) ? It only shows that, Apostles could not work miracles when they pleased, God is the healer and not Paul. It also answers some queries on why we kept on praying for the sick but yet, nothing happen. I always believed in Romans 8:28, and know that all things works together for good.

I do believed that Trophimus, an Ephesian, was also been healed on God’s perfect timing. Trophimus was only mentioned in the bible 3 times, Acts 20:4, Acts 21:29 and 2nd Timothy 4:20 and passages clearly mention that Trophimus is a co-worker of Paul in Christ.

We need to have expectant faith, Yes, but we also need to understand the power of God in our life. He is the one in control, not us. Psalm 118:8.

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Finding Favor From God In Difficult Times


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I am reading Genesis Chapter 39 and I was blessed on what I have read on the last part it says :

Genesis 39:22-23

And the keeper of the prison committed to Joseph’s hand all the prisoners that were in the prison; and whatsoever they did there, he was the doer of it. The keeper of the prison looked not to anything that was under his hand; because the LORD was with him, and that which he did, the LORD made it to prosper.

Despite the fact that Joseph the Dreamer has been imprisoned for a crime that He did not do, ( Accused by Pothipar’s Wife of raping her, because Joseph doesn’t want to do her will ). The prison keeper assigned Joseph to be the leader in the prison. It is because the prison guard believes that the Lord was with Him.

We might be in a different situation in our life where we think it is not fair, think of what the Lord can do to you. Joseph has found favor in the prison area because of his trust in the Lord. I do believe that we could also found favor to God even we are now experiencing many affliction in our life. The lord will blessed us in our present situation. We just have to trust the Lord and discern what is best for us.

I am now doing new experimentation about e-mail marketing strategy. I just hope that I could learn new things to make passive income in order to help more in my father’s present situation.

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Everything Happen for A Reason, Join us in Prayer


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I got a call from Philippines last Friday and my family informed me that my father has been diagnosed having a kidney failure. The creatinine, has been measured to be 900 which when compared to the normal range of  100-130 ml/min/1.73m2. is high. We are still waiting for the final decision that could be made after three more days. The doctor advise to have dialysis if the situation becomes worse.

In situation like this there is nothing that I can do except to pray and ask for God’s wisdom on what we need to do. I always believe in Romans 8:28

“ And we know that in all things God works for the good of those who love him, who have been called according to his purpose.” ,

It is only God knows about his purpose for my father. But all I know is that God is in control in all things. Philippians 4:4 says:

Rejoice in the Lord always. I will say it again: Rejoice!

Friends, Brother’s and Sister, what we need from now is to be in unity in prayer and ask for your prayers to let God heal the sickness of my father “Gerardo Panganiban” and the financial provision for any treatment that he may undergo.

I am making this post to give hope to those who are experiencing kidney problem like what my father is experiencing at the this time. And who knows this post might also be a way to a divine connection that Our God will be providing for us.

God Bless You all.

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Tomorrow is My Birthday, Poem of Love From my Wife

Tomorrow is my birthday and my wife just gave a wonderful poem as her gift.. I love her very much. Check the poem below. By the way she use to call me LAKAY.

Tomorrow is My Birthday, Poem of Love From my Wife

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I love u lakay this is what i can say
No material things can ever repay
Sacrificing the things you need
Is your way of showing your love indeed.

I appreciate all the things that you do
It’s your way of showing your love it’s true
I don’t have anything to offer you
I’ll just be of service that’s what i will do.

It makes me cry, i have nothing to give
I’m always the one who always receive
You give me all the things i want
And it makes me feel really sad.

I know i am not a perfect wife
For me to have you in my  life
But I’m so grateful to God it’s true
And I thank God He gave me YOU.

You may laugh, you may cry
But i can only try
To make you feel you are loved
And for that I thank God.

Thank you lakay for loving me
For giving me our kids of 3
If you want we’ll pray for one more
And for that they will then be 4. 🙂

Happy Birthday Lakay
You’re so precious to me
You allow me to be myself
And showed me how to be free.

Now it’s time for me to end
This poem for you i will now send
I hope you feel my love for you
Through the things that i do.

I love you lakay with all my heart
In my life you play a vital part
Being a kind husband just for me
And a loving father to our lovely 3.

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Until Such Time Will You Be Feed Like Babies ?

Until Such Time Will You Be Feed Like Babies ?

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Christian life is a serious business, because it’s a God business. As I walk and study the words of God, I came into a question, Until such time will we be fed like babies?  As a baby Christian it only means that you are always affected when there’s somebody talking beyond what you like. Babies normally don’t want to be corrected even they are wrong, because babies want to do what they only want. Babies normally ask milk and when they did not get the milk, they will surely cry out loud to be noticed by their parents. So until when do a Christian should be like babies?

I believed that Christians should not stay as a baby for a long time, Christian need to grow and start eating hard food in order to grow. We can grow as a Christian by being active on searching and learning about the words of our Lord through the Basic Instruction Before Living Earth ( BIBLE)

Baby drinks milk and adults need to eat hard food since they need strength in facing the works that an adult Christian needs to do.

1Cr 3:1-4     Brothers, I could not address you as spiritual but as worldly–mere infants in Christ.I gave you milk, not solid food, for you were not yet ready for it. Indeed, you are still not ready. You are still worldly. For since there is jealousy and quarreling among you, are you not worldly? Are you not acting like mere men?. For when one says, "I follow Paul," and another, "I follow Apollos," are you not mere men?

We need to be corrected when we are wrong. We just need to do it in a proper way and in a proper time. Always do things with Love to our brothers and sisters.

I am not saying that we forget the basics.. No.. We need to practice or do in action the basics. Practice what we learn and for sure You will reap with joy.

You are the only one who could answer the question above. So will you stay like a baby or start your journey of becoming an adult Christian. It is your choice, and it is your free will.

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What Could Be Our Day Without God ?

I am blessed with this note and let me share it with you..


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According to the note, days will be read as follows if God is not seen in our life


Truly life without God is difficult very difficult, we need to understand we need to be with our savior in everyday of our life. We are made to Praise the Lord.

Psalm 150:1-6 “Praise ye the LORD. Praise God in his sanctuary: praise him in the firmament of his power. Praise him for his mighty acts: praise him according to his excellent greatness. Praise him with the sound of the trumpet: praise him with the psaltery and harp. Praise him with the timbrel and dance: praise him with stringed instruments and organs. Praise him upon the loud cymbals: praise him upon the high sounding cymbals. Let every thing that hath breath praise the LORD. Praise ye the LORD.” (KJV)

Let us all Praise the Lord so that our days will not be wasted.

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VICTORY.. What About It ?

In order for us to be Victorious, we need to know how to become victorious. Let me share you what I learned from our recent Bible Study. Here is the acronym of VICTORY

VICTORY.. What About It ?

V – Vow and Not Sin

As Christian we should vow and give reverence to our God, we need to avoid temptation and flee from temptation. Don’t test if you can win over the temptation. It is better to flee away from it and never give a chance to the temptation to go near to you (2nd Corinthians 5:15).

I – Increase your faith

We need to increase our faith, the Lord have provided us already the exact faith that we need in this world, but the problem is that we cannot attain the faith that was given to us. Often we have doubt that our faith is little. But in reality God gave it already to us. We are more than conquerors my brothers and sisters (Romans 8:31)

C – Continue to Love

We might have different doctrines, we might have different understanding about the word of God, but the most important attitude that we need to have is loving each other the way that Jesus love us. We need to remain in the Love of Jesus. (John 15:9)

T – Trust God Always

Psalm 118:8, We need to put all our trust to God and God alone. And when we say we trust, we don’t worry, we don’t question, because we know that for everything works together for good according to God’s plan. Romans 8:28 , Matthew 6:33

O – Obey God Moment by Moment

Obedience is better than sacrifice. There are lots of blessing if we obey. ( Deuteronomy 11:27-28)

R – Read God Word Daily

We need to meditate the word of God daily, so that we will be continuously refreshed by the word of God everyday. It will definitely give us strength to face any problem that we might encounter in our everyday life(Joshua 1:8)

Y – Yield Yourself to God

Be humble and yield yourself to God, We cannot do anything if God is not with us. (Romans 12:2)

Note : By attending the Bible Study, I was able to get the acronym of victory and tried to explain the way I understood the teaching. God Bless You all..

So are you Victorious ?

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