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	<title> &#187; financial planner</title>
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		<title>How We Did It</title>
		<link>http://www.youwanttoberich.com/2010/09/25/how-we-did-it/</link>
		<comments>http://www.youwanttoberich.com/2010/09/25/how-we-did-it/#comments</comments>
		<pubDate>Sat, 25 Sep 2010 11:55:15 +0000</pubDate>
		<dc:creator>Issa</dc:creator>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Life Stories]]></category>
		<category><![CDATA[The Beginning]]></category>
		<category><![CDATA[Bo Sanchez]]></category>
		<category><![CDATA[Danvic Briones]]></category>
		<category><![CDATA[Eco Things]]></category>
		<category><![CDATA[financial planner]]></category>
		<category><![CDATA[Frontrunner Entertainment]]></category>
		<category><![CDATA[Left Hand Graphics]]></category>
		<category><![CDATA[Money Doctors]]></category>
		<category><![CDATA[MoneyDoctors]]></category>
		<category><![CDATA[Outsourcing]]></category>
		<category><![CDATA[Salve Duplito]]></category>

		<guid isPermaLink="false">http://www.youwanttoberich.com/?p=2946</guid>
		<description><![CDATA[“Did”.  I am not sure about that word.  Because it is in the past tense and means the fun and the adventures are over.  When they are not.  We are just beginning.

A reader wanted to know how we “did it”.  She said she read my first post but that I just skimmed the surface of how we overcame the bleak prophesies of our first financial planner, that I did not really explain how we got that 24% increase in our annual income, and more importantly, how we overshot it.  If you have not read that first post, here is what our first financial planner said:

“While the couple’s Emergency Fund Ratio (EFR) will be over 1x by the end of 2007, the ideal ratio is 3x.  The couple would need to add around Php149,000 to their annual income to meet such a ratio.  To raise their savings rate to 18.1% from 6.7%, the couple would need additional annual income of Php262,000, or add 24% to their current annual income.”

So, how?

... To read the full article, please click on the title ...]]></description>
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		<slash:comments>2</slash:comments>
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		<item>
		<title>Why You Need to Track Your Expenses</title>
		<link>http://www.youwanttoberich.com/2009/12/15/why-you-need-to-track-your-expenses/</link>
		<comments>http://www.youwanttoberich.com/2009/12/15/why-you-need-to-track-your-expenses/#comments</comments>
		<pubDate>Tue, 15 Dec 2009 06:38:17 +0000</pubDate>
		<dc:creator>Issa</dc:creator>
				<category><![CDATA[Financial Education]]></category>
		<category><![CDATA[Expense]]></category>
		<category><![CDATA[financial planner]]></category>
		<category><![CDATA[MoneySmarts]]></category>
		<category><![CDATA[SmashingApps]]></category>
		<category><![CDATA[Splash Money]]></category>

		<guid isPermaLink="false">http://www.youwanttoberich.com/?p=1671</guid>
		<description><![CDATA[I never used to track our expenses until our financial planner told us we have to.

It was not an easy exercise.  There is that little notebook that you need to haul with you everywhere.  And you have to be on your guard everytime - did I take a dollar from my wallet?  And there’s the hubby that you have to nag to please write every little expense when you know he will not because he does not want to.

He still does not want to.

To read the full article, please click on the title.]]></description>
		<wfw:commentRss>http://www.youwanttoberich.com/2009/12/15/why-you-need-to-track-your-expenses/feed/</wfw:commentRss>
		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>Postscript to A Storm</title>
		<link>http://www.youwanttoberich.com/2009/09/30/postscript-to-a-storm/</link>
		<comments>http://www.youwanttoberich.com/2009/09/30/postscript-to-a-storm/#comments</comments>
		<pubDate>Wed, 30 Sep 2009 00:00:03 +0000</pubDate>
		<dc:creator>Issa</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Life Stories]]></category>
		<category><![CDATA[The Philippines]]></category>
		<category><![CDATA[72 Hour Kit]]></category>
		<category><![CDATA[Australia]]></category>
		<category><![CDATA[financial planner]]></category>
		<category><![CDATA[Ketsana]]></category>
		<category><![CDATA[Ondoy]]></category>
		<category><![CDATA[Red Dust]]></category>
		<category><![CDATA[Samoa]]></category>
		<category><![CDATA[Tsunami]]></category>
		<category><![CDATA[Vietnam]]></category>

		<guid isPermaLink="false">http://www.youwanttoberich.com/?p=1094</guid>
		<description><![CDATA[Postscript: Man’s Inhumanity to Man

A crisis makes heroes and villains of people.  While there are many stories of heroism, one cannot ignore horror stories of fastfood chains turning away people who wanted to use restrooms or who wanted to charge their cellphones (one gave an emphatic "no", another charged a USD$3 fee), or those who pillage the houses of those hardest hit, or those who charged USD$500 at the height of the storm for the use of a rubberboat before a family can be brought to safety, or those selling (selling!) relief goods to those who cannot take another blow.

Please choose to be an angel during these times.  And if you have employees, likewise instruct them to open your doors.  The next life you save may that of someone you know, or yours.]]></description>
		<wfw:commentRss>http://www.youwanttoberich.com/2009/09/30/postscript-to-a-storm/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>On Paypal, Internet Scams and Phishing</title>
		<link>http://www.youwanttoberich.com/2009/09/27/on-paypal-internet-scams-and-phishing/</link>
		<comments>http://www.youwanttoberich.com/2009/09/27/on-paypal-internet-scams-and-phishing/#comments</comments>
		<pubDate>Sat, 26 Sep 2009 16:09:43 +0000</pubDate>
		<dc:creator>Issa</dc:creator>
				<category><![CDATA[Consumer Protection]]></category>
		<category><![CDATA[Federal Trade Commission]]></category>
		<category><![CDATA[financial planner]]></category>
		<category><![CDATA[Internet Scam]]></category>
		<category><![CDATA[Paypal]]></category>
		<category><![CDATA[Phishing]]></category>
		<category><![CDATA[Phishing Scam]]></category>
		<category><![CDATA[Security]]></category>
		<category><![CDATA[Spam]]></category>

		<guid isPermaLink="false">http://www.youwanttoberich.com/?p=1049</guid>
		<description><![CDATA[I need only to look at my spam folder and my 139 spam emails to realize that these scams are not few and far between, and that the scammers have been getting bolder and that a lot of thought and resources are being put into this.  My financial planner emailed one scammer, saying, "it is more fulfilling to do good and honest work rather than scam people out of their money".  To his surprise, the spammer had the temerity to respond: "What if you finally get this fund, what should I do to you? Do you want your payment or not?"]]></description>
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		<slash:comments>25</slash:comments>
		</item>
		<item>
		<title>Getting the Help to Help</title>
		<link>http://www.youwanttoberich.com/2009/06/24/getting-the-help-to-help/</link>
		<comments>http://www.youwanttoberich.com/2009/06/24/getting-the-help-to-help/#comments</comments>
		<pubDate>Wed, 24 Jun 2009 11:42:11 +0000</pubDate>
		<dc:creator>Issa</dc:creator>
				<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[financial planner]]></category>
		<category><![CDATA[Helpers]]></category>
		<category><![CDATA[Inday]]></category>
		<category><![CDATA[List]]></category>
		<category><![CDATA[Maids]]></category>
		<category><![CDATA[Math]]></category>
		<category><![CDATA[Robert Kiyosaki]]></category>
		<category><![CDATA[Wealth Attraction]]></category>
		<category><![CDATA[Yayas]]></category>

		<guid isPermaLink="false">http://www.youwanttoberich.com/?p=174</guid>
		<description><![CDATA[The first few days of “The List” were hard.  The Indays were on the defensive track.  They knew they were being monitored and they did not like it.  They staged pseudo-hunger strikes and then asked me for a budget for them for food so they will not eat ours.  I finally sat them down to talk and I explained to them that I was not at home all the time and it was hard for me to understand why the food is being consumed so very fast when my husband and I hardly eat at home, or why the Meralco is so high, or why four long bars of laundry soap will only last 2 weeks.  I told them that I was sorry to have made them feel that way but The List was just a way for me to understand.  I did not know how long food or water or gas should last and usually, my expectations are not very reasonable.  I wanted to be free of delusions.  I did not say it but I also wanted to be free of suspicions.  It was not a very good way to live.  For either me or the Indays.

Please click the title to read more.]]></description>
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		<slash:comments>7</slash:comments>
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