Thinking of getting your first credit card—or maybe switching to a new one? Before you sign any application form or accept a pre-approved card in the mail, it’s important to pause and make sure you’re choosing wisely. Credit cards can be powerful tools when used correctly, but the wrong one can easily become a financial
A business is like a living organism—it needs to evolve to survive. Markets shift, consumer behavior changes, and technology keeps moving forward. If a business doesn’t learn how to adapt, long-term success becomes nearly impossible. That’s why one of the biggest challenges for entrepreneurs is staying on top of business trends—or better yet, being ahead
The first time I heard the term due diligence, I thought it was just another way of saying “be diligent” or “work hard.” In Filipino, I even equated it with being masipag. But as I gained more experience in business and investing, I realized that due diligence means something far more specific—something every smart investor
Do you have plans and goals for your life? Of course you do. They might be as simple as starting a new hobby, finishing a home project, or as big as building wealth, launching a business, or traveling the world. No matter what your dreams are—big or small—one simple habit can make a huge difference:
The Christmas season in the Philippines is like no other. The lights, the carols, the endless parties, and of course — the gifts. For many of us, Christmas shopping is both exciting and stressful. Exciting because we love seeing our family’s and friends’ faces light up when they receive our gifts. Stressful because, let’s admit
In the late 1960s, psychologist Walter Mischel conducted what would later become one of the most famous studies in behavioral psychology: the Marshmallow Test. The experiment was simple but profound. A group of four-year-olds was placed in a room, each given a marshmallow. The instructions were clear: They could eat it right away, OR wait