The MoneyDoctors Story

The Way to Wealth

It was a fine afternoon and Nannette and I got to talking.

I just passed the insurance examination given by the Insurance Commission and can now be ushered into the world of insurance agents and hustling and bustling.  That made me uncomfortable and I told Nannette so.

Okay, I still had the image of the feisty, persistent, pesky seller of insurance who does not really explain or understand what he sells, does not hear the word “no”, does not stick around through the bad times (when the hapless insured can no longer pay the premiums), is just “interested” because of the commission he hopes to get.

I did not want to be that person.

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How We Did It


A Door, Windows

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?

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How to Spark Inspiration


Making the Wheels Turn

Let us face it.  It is not everyday that we see the world with rose-colored glasses.  It is monotony that that kisses our faces day in and day out, like waves that do not fail to come to the shore; it is the humdrum of everyday life that besets us and pummels us into submission; the unexciting coming more often rather than the exciting.  And yes, there is some comfort in that.  The heart can only take so much – of happiness, of excitement, of something happening all the time.

But when you need to, how do you inspire yourself?

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