Category Archives: Professionalism

The Importance of Hiring a Wealth Manager

I can’t tell you how many people come to me who are average, everyday people who don’t even have wills. And they say “I don’t need a will yet. I don’t have an estate issue.” Yeah, well, who’s going to take care of your kids? How are you going to transfer? Make sure that everything is done to your wishes? Do you have a health care proxy? These are all wealth management issues, not investment issues. But they have huge ramifications to whatever you amass during your life.

Marc Lowlicht,
Wealth Management Division Head
Further Lane Asset Management

 For starters, wealth managers are actively involved in their client’s retirement planning. This can mean, among other things, updating and changing your client’s investment profile based on where they are in their life cycle, with older customers being moved into more stable environments. Wealth managers also coordinate with accountants and attorneys. In addition, they help with trust planning, insurance requirements and managing client’s risks.

In terms of nest egg, people need to understand that they need this money to produce income during retirement and this is why even middle-class or lower-class people should consult with financial planners.

A financial planner would immediately start saying: “Wait a minute, the first thing you need is an income. And then we’ll worry about your wealth.” These are things wealth management takes into account that investment management doesn’t.

Wealth management is not only about picking investments and making sure the allocation is consistent with time horizons. Such is especially important now. Because in these days of disappearing pension plans, we are all required to become our own defined benefit plans.

Dear Friends:

Pru Life UK is privileged to have Atty. Danny Chan talk about Wealth Management & Estate Planning on March 29, Sat, 2pm at Room 4 10/F SSHG building, Paseo de Roxas Makati City.

With this, I would like to personally invite you to take hold of this opportunity. Attendees will learn much from this talk and be made aware of the solution to paying their estate tax. The seminar is FREE so I advise you to RSVP as slots are going fast.

For all interested parties, feel free to PM/text/email me. I am looking forward to your attendance.

Kind thoughts,


Pru Life UK is one of the leading life insurance companies in the Philippines, with over 15 years of excellence in providing relevant and innovative life insurance products designed to meet the specific needs of the public. The pioneer and expert in investment-linked insurance products, Pru Life UK is driven by its commitment to always listen to and understand the financial protection and wealth management requirements of the Filipino.
Make your money work for you. Pru Life UK is the pioneer and expert in unit-linked or investment-linked products in the Philippines. Unit-linked policies are life insurance products that provide living and death benefits and are ‘linked’ to investment funds. With our investment funds managed by Eastspring Investments Singapore (Limited), take confidence in the experience of one of Asia’s most awarded fund-management companies.



Reference: – Why you need a Wealth Manager; David Serchuk (March 25, 2009)

Forbes Bonanza 2014 a hit among young entrepreneurs

Brgy. Forbes Park, Makati City holds its first summer event for the year called Forbes Bonanza 2014.

The brain-child of Anthony Yupangco of Tutto Domani, who heads the livelihood program of the barangay, has one goal in mind:  to unite the community and for its residents to be active participants in their programs.

The two day event featured a number of up and coming entrepreneurs in the field of design, food and clothing who generously gave their time and resources to participate in the event.

Below are just some of the major take-aways from the event.

Day one of the bonanza. Featured here are the organizers and community leaders of Brgy. Forbes, Makati City.
Day one of the bonanza. Featured here are the organizers and community leaders of Brgy. Forbes, Makati City.
A busy first day.
A busy first day.
Life is indeed a business opportunity. Pru Life UK participates in Forbes Bonanza 2014.
Life is indeed a business opportunity. Pru Life UK participates in Forbes Bonanza 2014.
Original clothes from Zara, H and M, Victoria's Secret, and many more are featured in my table. You will  certainly see more of my products in the next bazaars. Watch out! ;-)
Original clothes from Zara, H and M, Victoria’s Secret, and many more are featured on my table. You will certainly see more of my products in the next bazaars. Watch out! 😉
Upcoming entrepreneurs were happy participants of Forbes Bonanza 2014. Featured here is cupcake/pastry couple Chef Jobo and Toni of Oh My Sweets!
Upcoming entrepreneurs were happy participants of Forbes Bonanza 2014. Featured here is cupcake/pastry couple Chef Jobo and Toni of Oh My Sweets!
Oh my sweets! You look so decadent! ;-)
Oh my sweets! You look so decadent! 😉
Going stag, Sheena of Frosted Kitchen manned her table like a pro!
Going stag, Sheena of Frosted Kitchen manned her table like a pro!
With a knack for design, Soleil Vintage is managed by Filipina artist Sharaos. The artist shows off her latest print design.
With a knack for design, Soleil Vintage is managed by Filipina artist Sharaos. The artist shows off her latest print design.
One of the dresses that caught my eye. Modelled by a friend, the dress is designed by artist Sharaos Soleil of Soleil Vintage.
Also designed by Filipina artist Sharaos of Soleil Vintage, this dress is such a knock-out!

This publisher would like to give a huge thanks to Anthony & his assistant Annie for making the event such a hit. It is always a blessing to work with people with the heart for service. Maraming salamat and I am looking forward to your next one.

Creating Better Physicians the St. Luke’s Way

Aside from being a practicing Neurologist and the Dean of St. Luke’s College of Medicine, Filipino physician Dr. Brigido L. Carandang, Jr. is a  game changer.

From his infamous curriculum overhaul to generous scholarship grants, Dean Carandang is breaking  new ground to develop not only excellent clinicians but a more compassionate set of doctors.

"Going beyond the classroom when it comes to learning and becoming caring and better doctors for their patients. This is my vision for the students of St. Luke's Medical." - Dean Carandang
“Going beyond the classroom when it comes to learning and becoming caring and better doctors for their patients. This is my vision for the students of St. Luke’s Medical.” – Dean Carandang

What makes this educator so controversial?

He is challenging the educational system. He wants to create more coffee shops in replacement of the usual classrooms. He is adamant in raising the standards of admission and challenges his students to go beyond getting the license.

However, the vision to get the best students comes with its challenges. The Dean encourages raising funds for these scholars. He wants the general populace to know that funding for someone else’s education is a cause worth pursuing, more so, if that same student is able to give back to their community. You want the best doctors? Start them young. Help fund and raise quality doctors.

The Dean introduces the infamous 'Harvey', a human prototype.
The Dean introduces the infamous ‘Harvey’, a human prototype.
Back in the lab, Miss Tolentino gets acquainted with a human head sliced in half.
Back in the lab, Miss Tolentino gets acquainted with a human head sliced in half.
Meet some of the permanent residents of the college.
Meet some of the permanent residents of the college.
Real human skulls for closer inspection and study by medical students
Real human skulls for closer inspection and study by medical students
Human Brains. Yes, they are real.
Human Brains. Yes, they are real.
A painting commissioned by the Dean which is hung in the student library features a young student taking a nap midst a number of books. I found it funny. Any idea why? ;-)
A painting commissioned by the Dean which is hung in the student library features a young student taking a nap midst a number of books. I found it funny. Any idea why? 😉


“The real game changer isn’t something external; it is internal. It is the way we think and grow. It is moving from that “fixed” mindset about teaching and learning, and moving to the “growth” mindset…Some learn better in isolation, while others excel in collaboration…We have to stop looking for standardized solutions to try and personalize learning.”

– George Couros

Under Dean Carandang’s leadership and tutelage, the ability to produce fantastic clinicians with a soul for the patient is possible with St. Luke’s College of Medicine. 

The International Community pledge aid to Filipinos


The International Community pledge aid to Filipinos || Please SHARE and show our gratitude to them

USA: : Obama said America “is already providing significant humanitarian assistance and we stand ready to further assist the (Philippines) government’s relief and recovery efforts.”

“Our thoughts and prayers go out to the millions of people affected by this devastating storm,” Obama said in a statement.

The U.S. government aid – both military and civilian – began flowing as relief efforts got under way by international organizations and private relief groups.

The U.S. Agency for International Development is sending supplies, including emergency shelter and hygiene materials, to help 10,000 families. The supplies are expected to arrive early this week, according to a spokeswoman.

USAID also is dispatching 55 metric tons of emergency food to feed 20,000 children and 15,000 adults for up to five days, the agency said.
90 U.S. Marines and sailors arrived in the Philippines as part of a first wave of promised U.S. military assistance, which included aircraft for search and rescue operations.

EU: EU: European Union Ambassador Guy Ledoux to the Philippines also expressed yesterday his solidarity with the Filipinos and announced humanitarian teams and relief packages were on their way to affected areas.

“The Philippines has been severely tested by nature on several occasions this year. As it confronts yet another natural calamity, I express my solidarity with the Filipino people and my deep sympathy with those who have lost their loved ones or their livelihoods,” Ledoux said in a statement. The European Union Humanitarian Aid & Civil Protection said it is deploying four experts to areas near Cebu and Leyte and will also help assess the plight of the victims of the recent earthquake on the island of Bohol.

Australia: Foreign Minister Julie Bishop says the Australian Government will contribute $10 million in aid, which will include $390,500 of emergency supplies previously announced by Ms Bishop on Saturday.
“I have approved a $10 million package of humanitarian assistance. This comprises the urgent deployment of an Australian medical assistance team – at a cost of about $1 million, $3 million to be deployed through Australian non-government organisations, $4 million to the United Nations flash appeal,” she said.
“[We will also contribute] $1 million for additional food items and non-food items, which includes the funding already announced – so tarps, mosquito nets, water containers and the like, and $1 million to the Red Cross to assist in their disaster response efforts.”

Canada: Canada is donating PHP 206M for Yolanda victims

“Canada is deeply concerned by the impact of this catastrophic typhoon,” said Canadian Minister of International Development and Minister for La Francophonie Christian Paradis said in a statement.

New Zealand: New Zealand will give another $2 million to support humanitarian relief efforts in the Philippines following Typhoon Haiyan, Foreign Affairs Minister Murray McCully announced this afternoon.
The money is in addition to the $150,000 already pledged.
“Typhoon Haiyan has caused significant damage and affected more than 4.4 million people across 36 provinces in the Philippines,” Mr McCully said.
“New Zealand will provide $750,000 in dollar for dollar funding to New Zealand non-government organisations that are working with partners on the ground to support the relief and initial recovery effort. We will also set aside a further $1.25 million in funding to be allocated over the coming days as the priority areas for support are identified.”
The $150,000 that New Zealand had already committed would go to the International Federation for Red Cross to support the immediate distribution of relief supplies and conduct needs assessment.
In addition, an official from the New Zealand Aid Programme would be joining the specialist United Nations Disaster Assessment Co-ordination team.

UK: David Cameron has offered £6m in emergency aid to the president of the Philippines to help dealing with the aftermath of Typhoon Haiyan.
The Prime Minister called President Benigno Aquino III to pledge the UK’s full support following the deadly storm and to offer the country’s thoughts to the victims.

The Prime Minister said that our thoughts are with all those affected, especially those who have lost loved ones,” a Downing Street spokeswoman said.
“We have also sent four humanitarian experts to the Philippines to assist three advisers already in the country helping to coordinate the international response.”

Belgium: Médecins Sans Frontières (Doctors Without Borders) said it was sending 200 tons of aid—medicine, tents, hygiene kits—to arrive mid-week, with a first cargo plane leaving from Dubai on Monday and another from Belgium on Tuesday.
Israel: IsraAID will send a team this week to assist local NGOs and UN agencies in treating hundreds of thousands of people affected by a powerful typhoon that hit the Philippines Friday.

Indonesia: Indonesia will offer humanitarian aid to the Philippines in the wake of Typhoon Haiyan’s deadly landfall, the president’s office said on Sunday. “[The] president is concerned about the natural disaster that happened in the Philippines,” Presidential Spokesman Julian Aldrin Pasha told the Indonesian newspaper Kompas. “We are working on humanitarian aid which will be processed under the BNPB [National Disaster Mitigation Agency] and the Ministry of Foreign Affairs.”

UAE: The UAE has announced support and assistance programmes and projects worth Dh37 million for Philippine typhoon victims on the directive of the President, Sheikh Khalifa.
“The UAE extends its deepest sympathies for the loss of life and property,” the Government said.
“The UAE stands by the people of the Philippines in these tragic circumstances and commends the Government of the Philippines and its emergency workers for making all possible efforts in providing aid and relief to the victims.

Germany: Germany is also providing support. Foreign Minister Guido Westerwelle pledged 500,000 euros in immediate humanitarian aid for typhoon victims. “Germany wants to help, Germany will help,” he was quoted as saying. German President Joachim Gauck expressed his condolences to his Filipino counterpart Benigno Aquino, saying “It was with extraordinary dismay that I heard of the thousands of deaths and countless injured.”
Nicolas Hefner, spokesperson for the German Federal Agency for Technical Relief (THW) told DW his agency would be sending a team to Manila to determine where and how the German government can help. The THW provides assistance in areas such as purifying drinking water, cleaning contaminated wells and providing emergency accommodation.

UN: UN leader Ban Ki-moon promised UN humanitarian agencies would “respond rapidly to help people in need”.
The UN children’s fund UNICEF said a cargo plane carrying 60 tonnes of aid including shelters and medicine would arrive in the Philippines Tuesday, to be followed by deliveries of water purification and sanitation equipment.

Vatican: Pope Francis, “deeply saddened” by the disaster, on Sunday urged Catholics to provide “concrete help” and led 60,000 people in prayers for the Philippines. “Sadly, there are many, many victims and the damage is huge,” he said. On Saturday, he had tweeted his sympathy to the Asian nation.
Norway: Norway commits to a contribution of NOK 20 million (PHP 140 million) in immediate humanitarian assistance to the Philippines. The NOK 20 million will be channeled through the UN, the Red Cross and other humanitarian organizations which have access to the affected areas.

“I want to express sympathy with the Filipino people who have been hit so hard by this disaster. We follow the humanitarian situation in the Philippines closely and will provide further assistance when we get a better overview of the needs,” said Minister of Foreign Affairs Børge Brende in a statement posted on the Norwegian Embassy website.
Sweden: Sweden Foreign Minister Carl Bildt, meanwhile, tweeted that Stockholm will be sending equipment for emergency communications to the Philippines

Japan: Japan, meanwhile, said it is sending a 25-member team, mostly medical personnel, to help following the devastation of typhoon Yolanda.

Singapore: Singaporeans and Filipinos here are rallying to help victims of Super Typhoon Haiyan.
The Singapore Civil Defence Force has sent a team to Tacloban, the worst-hit city, to aid rescue efforts by the United Nations Office for the Coordination of Humanitarian Affairs, said Prime Minister Lee Hsien Loong yesterday.
In a letter to Philippine President Benigno Aquino, Mr Lee offered his condolences and help.
“The Philippines has always demonstrated resilience in the face of adversity. I am confident that your people will pull together and rebuild their lives… Our thoughts are with the people of the Philippines during this difficult time,” he wrote.

Switzerland: Switzerland has sent five experts from the Swiss Humanitarian Aid Unit to the Philippines after a devastating typhoon reportedly killed at least 10,000 people.
The Swiss foreign ministry said the group left on Saturday evening and would work closely with international aid organisations, delivering emergency assistance.

The foreign ministry said three Swiss experts, including doctors, were already in the Philippines. They are liaising closely with the Swiss embassy in Manila and assessing the needs of the people on the ground.

Hungary: A team carrying medical equipment and 15,000 dollars in aid from the Hungarian Reformed Charity will leave for the typhoon-hit Philippines on Monday, the charity told MTI on Sunday.

Denmark: Danmark giver 10 millioner i tyfon-hjælp til Filippinerne. – Det er en meget markant naturkatastrofe, hvor hundredetusinder af mennesker nu er i sorg og i nød, og derfor har vi besluttet at give op til 10 millioner kroner i nødhjælp, siger udviklingsminister Christian Friis Bach (R) til DR Nyheder.
Hjælpen kan blandt andet bestå af mad, vand og telte.
– Pengene vil være til rådighed så snart der ligger en appel fra FN. FN og de filippinske myndigheder er i fuld gang med at få overblik over katastrofen og vurdere behovene. Så udsender de en appel, og der vil vi med det samme byde ind, siger ministeren.
Ireland: The Government has announced €1m in emergency funding towards the relief effort in the Philippines following the widespread destruction and loss of life caused by Typhoon Haiyan. Tánaiste and Minister for Foreign Affairs Eamon Gilmore said the funding would go towards shelter, food, water and health.

Netherlands: Pledges the Philippine government 2,000,000 Euros


For Kuya Guard

I get out of the house whenever I can. Being cooped up at home can drive someone crazy at times. My building security guard is always there to accommodate me and the rest of its tenants. He helps me with my bags, opens the gate (not that I need any of that, nor require him to carry or open anything for me).

Before I left the house to go for a walk, I struck a conversation with him. He was quite open and candid to my probing. He talked on and on for a good 10 minutes, given that he had such an eager listener.

He is a young father. At 25 years old, he now has a daughter with his 24 year old girlfriend. Elaine is now 1 and a half years old. “She’s already walking” he beams.

He mentions to me that he might only stay with our building till January 2014 only. I ask him why and he mentions the night shifts are taking a toll on his body. The lack of sleep gives him shakes. I have witnessed him actuallly sleeping on the job a couple of times before and most of the time, I don’t wake him anymore because I’ve also seen how hard he works. Being a security guard is a hazardous job in itself.

Since both are working, he tells me that he might send his little girl to live with his wife’s parents in the province because no one can take care of her here in Manila.

My building has had its share of revolving security guards, and this particular person I’ve always liked. He has always been helpful and respectful towards me, my family, and the rest of the tenants. He seemed competent, smart and most of all, he was a simple hardworking guy with simple needs.

His story just struck a chord in me. I felt sad for his circumstances. Deep in my heart, I wish I could help him: give him a job, a referral, whatever! But as it was (employment-wise) I was already in dire waters myself, but that’s another story.

He said that he has done construction and mechanic work , a bit of sales, repairs and other jobs that required physical labor.

I took a long hard look at myself. Who am I to complain? Things may not be perfect at work now but some people have it worse, much worse than me.

God bless his heart. He was willing to do all sorts of odd jobs (some even detrimental to his health and safety) just to put food on the table and care for his young family. My heart just ached. What can I do for this guy and his family? I want to help him somehow, but instead all I could do was buy him a burger 😦

Sometimes, I get so caught up in my own little world that I fail to notice the honest and hardworking people in my neighborhood. Regardless of background, everyone wants to enjoy the fruits of their labor but in this situation, what if there was not enough “paying” labor to go about?

Give a person fish, and you feed him for a day. Teach him how to fish, and you feed him for a lifetime.

People need more opportunities. I wish I could be that person, to give individuals like him, a dignified, decent and safe occupation wherein he could enjoy the company of his wife and daughter after a hard day’s work. But what can I do?

If you know anyone who maybe needing the services of an all around security guard, preferably with free housing where he could bring in his family, please let me know. Thank you.