A “Think Rich Pinoy” with a tagline Creating One Million Pinoy Millionaires by 2020 event flashed on my facebook. Clicking the link, I discover it is a Think Rich Pinoy Seminar to be hosted by Larry Gamboa (best selling author of “Think Rich, Pinoy”) at Philamlife, Manila on February 16 and 17. I reserve my judgement on the seminar since I’ve never attended it. The thing is the fee is only Php1,450 pesos which is more affordable than the Make Money Online Seminar that has an entrance fee of Php6000 pesos.
One never can never go wrong in real estate investment. It is a hedge against inflation and a source of passive income. My father, a self-made man, was orphaned during his teens. He survived because his parents left a few coconut lands which gave his five siblings some passive income. More important than acquiring wealth, I learned from my dad the importance of risk-taking, investment and managing personal finances at a young age.
Whether or not one becomes a millionaire has very little to do with the amount of money you make, whether one attends this real estate or the Make Money Online Seminar.
On the way to Nuvali, we got so engrossed with the landscape that we missed the turn to the entrance. The sign “Poke Your Eyes” alerted us that Hey you are lost. We had a good laugh as we made a u-turn back to Nuvali.
The green landscape just took my breath away as we drove on to the countryside. The gust of wind sent a shiver down my spine. I love this place, I thought as we inspected the Sta. Rosa property in Laguna. The fresh countryside air is the best gift that I can ever give my family. Three family members are asthma prone and this is the ideal family home for us, as I hugged my husband. The year was January 2000. While my husband and I poured over the layout of the house, Luijoe was a bit distressed to see that he had his own room which I labeled “Luijoe”. He took my pencil and wrote Luijoe in OUR bedroom. “That’s where I am going to sleep”, he showed an impish grin.
What does being broke mean? Does it mean being down to the last million peso? or down to the last 100,000 pesos or the last 1,000 pesos? There was a time, we only had 1,000 pesos in our savings/checking account way below the minimum bank requirement. We even had a negative balance due to a service fee charge for dropping below the minimum. Our saving grace was Lauren who had savings which we borrowed to keep us afloat. In the strictest sense of the word, our financial situation was not entirely hopeless. We were not bankrupt but we were not liquid either. Though we had other assets, it took time to convert them to cash. Though in the red, we didn’t incur credit card debts, renege on our mortagage or borrowed from the bank. These 
Buying our 
Financial institutions seem to be very liquid these days. They are giving out credit cards as if it is a bank brochure. The other day, BPI Express Credit sent me two [tag]credit cards[/tag]. I don’t understand why they have to send me a credit card when I already have a BPI Express Credit card since 1989. *snip* *snip* The lady at the Express Phone protested when I told her that I had no need for additional credit cards. A few weeks ago, Banco de Oro (BDO) also sent us credit cards. *snip* *snip* I believe in having a credit card but two are enough, thank you. I used to have a VISA card but I snipped that a year ago . It’s just so much easier to balance my budget. My husband has three credit cards and he plans to snip one card as soon as he pays off a “zero lite” plan.
My husband’s text message cracked me up:
My purpose for attending the 
The 