Tuesday, January 24, 2017

Starting a side hustle

One of the most common questions I get asked on speaking engagements or my other social channels is how to start a side project, a business or additional income stream. For the longest time (maybe during our grand/parents’ era), it has always been a choice between pursuing a career, business, save the world, and/or pursue one’s passion, or purpose.  But times change due to shifting generational behavior and an increase in access to information as well as opportunities; the lines between these factors start to blur, creating a new kind of work lifestyle: Side hustling.

Many millennials want to start their own businesses as young people are naturally entrepreneurial, but without a steady flow of income it could prove challenging to jump into starting a new venture. Here’s where side hustles come into play.

What is Side Hustling?
It is a hobby, service offered, or freelance pursuit one has outside of the usual 9-5 full-time job. It could also be a simultaneous pursuit of another passion or interest without quitting the day job. It is basically another way to make cash on the side or make productive use of one’s spare time.

For example, you are perhaps a BPO professional by night and an event planner by day. This is not as simple as seeking to make money alone but an expression of one’s creativity, artistry, interests as well as their other potentials that they can’t express or do at work due to one’s “Job Description.”

Starting a side hustle
One of the things I learned from one of my out-of-school mentors during college is that, the easiest types of businesses to start are services-types. All you have to do is reflect on your skills and try to monetize that skill as a start.

Now if you are still not sure or you don’t have a detailed plan to launching something while working, or just don’t know how to get started, here are some ideas:

1. Services Based Hustle – These vary from freelance events planning, tutoring, consultancy, and perhaps even physical related jobs that can be done on the side. Skills that can be done online fall into this category too; in fact, most BPO type of work can actually be done at home so long as you have reliable internet and relevant software or tools: web development/designing, graphic, animation, virtual assistance and so forth.

2. Buy-and-Sell Hustle – You can do this online and offline. It can be small like a sari-sari store items, or as big as gadgets, cars or even real estate.

3. Product Based Hustle – Arts and crafts, food, fashion, digital products (content, software or even start ups), manufacturing ..etc.. start by finding a market gap or an underserved market.

Indeed, a day job can be rewarding, but there’s one thing more meaningful than steady income and the occasional perks and that is to work for yourself. So get started, follow your curiosity. You have everything to gain and nothing to lose, for even in failure or defeat, there’s always a valuable lessons to be learned which will still help you out in the future!

“Be fearless in the pursuit of what sets your soul on fire.”


The writer is an RFP® - registered financial planner of RFP PH, Licensed Real Estate Broker and Director of CERTA, Inc., a family estate planning and investment advisory firm. To know more, please visit www.certa.ph

Originally Published in Philstar - The Freeman Newspaper last January17, 2016.

Monday, January 23, 2017

Entrepreneurship in Sinulog

It’s that time of the year again where a festive mood just takes over the city or perhaps even the whole island. Sinulog is a dance ritual in honor of the miraculous image of the Santo Niño and is an annual cultural and religious festival here in Cebu, Philippines.

Entrepreneurs share the same joy and excitement to celebrate one of the country’s most anticipated festivals with the market opportunities that overwhelm them once in a year.There is also no better time to witness Filipino entrepreneurship (it is not just Cebuanos but at the same time entrepreneurs as far as Baguio and Zamboanga come here as well).

While many simply want to enjoy the festivities, entrepreneurs see opportunities, specifically the ways to increase income together with a team or sometimes alone; they choose to create something for the event instead of just consuming.

Although it is a religious celebration, the event also gives an economic boost to many small vendors in the city, which includes the likes of candle and religious item vendors to name a few.

I don’t always participate in the celebrations each year, but when I do, I find the urge to make the experience memorable or something different. There was the Sinulog when I was little where my parents took me to see the grand parade, when I got older it became an event to bond with class/workmates and friends; there was a time when I thought of just collecting plastic bottles to sell later; and there was that one time I took a placard and walked the streets giving free hugs; joined a party under some fireworks; and one of the most interesting of all, making money while having fun.

There are many products and services one can sell during the festivities. You can simply walk the streets, and take your pick as to how you want to do business!

You will never go hungry during Sinulog, provided you have enough cash. You can sell your and compete with other food vendors (Fishballs, quekx2, peanuts, barbeque, junk/finger food, fruits..etc..); create your own unique homemade delicacy or perhaps prepare a position for your food franchise.

Hydration is also a priority during the celebrations both for tourists, vendors and street dancers. It could be as basic as water, juice or some magic water (alcoholic beverages).

 A lot of retail vendors outside Cebu come as early as November (or earlier) to sell already but you can still sell some items if it has a creative and unique design such as: Tshirts, fashion accessories, hats, and so forth.

Note: My parents had 2 ex-businesses (in which I helped out) namely a food services & fashion accessories business and both times earned decently during previous Sinulog.

Also, many service providers are fully engaged even before the scheduled festivities like tour guides, tattoo artists (other artists with gigs too) as well business-to-business service providers.

Those are just the tip of the iceberg; it is truly a wonderful showcase of entrepreneurial Cebuano or Filipino ingenuity in general!

Do you have other business ideas that would be good during this festival? Perhaps it would be good to start setting something up during this festival in Cebu!!

Pit Señor!!!


The writer is an RFP® - registered financial planner of RFP PH, Licensed Real Estate Broker and Director of CERTA, Inc., a family estate planning and investment advisory firm. To know more, please visit www.certa.ph

Originally Published in Philstar - The Freeman Newspaper last January 10, 2016.

Tuesday, January 10, 2017

Adulting goals this 2017

Many of us use the time before the New Year to set resolutions for ourselves that are difficult to keep, be it a promotion at work that almost never happens, an exercise routine that proves too difficult to stick to, or a relationship that’s too confusing and complicated.

So what are Adulting goals (a.k.a GOR Goals)?

Adulting means to acknowledge that oneself is starting to do ‘grown-up’ things and hold responsibilities such as: getting a decent job, paying mortgage/rent, car payments, feeding the family and the like. It is our own generation’s way of coming to grips with adulthood or our own ‘coming of age’.Here are some new year’s Adulting goals that I’ve gathered:

“Save more, love more, live more, travel more, pa slim and pa gwapa more.” — Rosette Gales, Real Estate Agent

“Spend wisely. Improve my time management and decision making skills while also stressing less.” — Theresa Mancera, Elementary School Teacher

“I want to be fit and also invest more this year.” — Lorbe Catadman, Programmer

“Improve financial stability; be more healthy; travel more with friends, family and my partner-in-life; pursue a master’s degree while also seeking to take part in nation building activities.” — Rhyle Sayat, Consultant

“Sleep more” — Vernie Naraja, BPO Professional

Specific exercise that works for you
Whether it is running, rock climbing, or yoga, there is a workout that works for everyone, and for every fitness level. Start small and gradually keep it up before switching it up. Enroll in a program with friends and also some set rewards to give you some competitive motivation.

While we are often focused on our physical fitness goals, the mind tends to take a back seat. Make it a priority to relax, unwind and also get a lot of sleep. Being always stressed in the long-run not only impacts one’s mental well-being, but also, extended stress can have a toxic impact on your physical health.

Feed your brain
So many “Things to Learn in Your 20s”, and that’s a good thing actually. Be itadding “adult meals” to your archive of skills or reading books to expand your thinking is a great way to start the year. You are never too young or old to better yourself. We all have a tendency to think “I’ll do that later”, but the best possible thing you can do is invest in yourself.

Give back often
Giving back doesn’t have to be ‘Seasonal’ and it can be done throughout the year! Why notlet 2017 be the year you get your ‘giving back’ journey started. Giving back can be a done-in-a-day affair (Tree Planting, gift giving, feeding program) or perhaps it is time to do something sustainable like let’s say starting your own social enterprise perhaps?

Financial goals
Life is cause and effect. If you want something to happen, you have to work for it whether if it’s a resolution or a goal (Car, Home, Investments) anyway. Remember when it comes to your finances, all progress is good. Even if you fall short, you’re better off financially just for the attempt.

And keep this in mind: “Changes happen in small steps over time.


The writer is an RFP® - registered financial planner of RFP PH, Licensed Real Estate Broker and Director of CERTA, Inc., a family estate planning and investment advisory firm. To know more, please visit www.certa.ph

Originally Published in Philstar - The Freeman Newspaper last January 03, 2016.

Monday, January 09, 2017

My 2017 investment picks

In 2017, we will face a polarized political environment. The various wars and killings around the world, Brexit, the U.S. election result, and key upcoming votes in the EU are likely to make investors more uncertain. However, despite both internal and external concerns, the broader backdrop should be positive for investors next year.

Conditions in the Philippines are ideal for business investments. For one, we have a rich resource of talented people. Our wage rates give us a comparative advantage over other countries together with proper government spending focused on growth. Here are some of my investment picks for 2017.

Index  Funds
Index funds are low-maintenance, low-cost pooled funds (either Exchange Traded Funds, Unit Investment Trust Funds or Mutual Funds) designed to follow the price fluctuations of a broader index like our PSEi.

Right now, our index is slowly going down due to various factors but once signs of recovery appear (maybe 2017), you can definitely start investing or even automate your savings to keep on pouring into your index pooled fund. They are definitely boring investments but they work.

PERA:  Personal  Equity Retirement Account
The PERA Law was established via RA 9505 (PERA Act of 2008) to promote capital market development and savings mobilization in the Philippines. It aims to help Filipinos, specially OFWs, to save for retirement.

The Pera allows for maximum yearly contributions of Php100,000 and Php200,000 for overseas Filipinos. Although it was enacted into law in 2008, it is only now or 8 years after (in the middle of this month) that the implementation was given the go-signal by the Bangko Sentral ng Pilipinas (BSP). To put it simply, it is an Investment with tax benefits. Here’s a quick rundown of it:

• Tax Credit – your contributions within the calendar year is entitled to a 5% tax credit which can be used against your income tax liabilities.

• Tax Exempt Investment Income – Yes, you read that right! Investment income which is income earned from investments and reinvestments of PERA assets in the maximum amount allowed is exempt from taxes on investment income.

The contributions will be invested in various products such as trust funds, mutual funds, insurance, pre-need, government bonds and listed equities for the money to grow, the proceeds of which may be claimed once a person reaches the age of 55 or has invested in the fund for at least five years.

So far, only BDO Unibank, Inc., and the Ayala-led Bank of the Philippine Islands have been accepted as PERA administrators.

Invest in yourself
Now if you don’t want to spend money even in low-cost index funds or through a PERA account, might as well invest in learning more about the investment world or gain some skills that will be useful for your business or career.

After gaining the necessary knowledge and experience, then you can create your own ‘personal investment fund’ which is a no-load, no-cost, or no-expense fund since you don’t charge yourself but your gains will depend on your own ability.

Investors need to constantly remind themselves that markets react emotionally at first but always return to a fundamentals driven environment. Let’s help each other make the journey through 2017 a profitable one.


The writer is an RFP® - registered financial planner of RFP PH, Licensed Real Estate Broker and Director of CERTA, Inc., a family estate planning and investment advisory firm. To know more, please visit www.certa.ph

Originally Published in Philstar - The Freeman Newspaper last December 27, 2016.

I thought I've overcome anxiety then 2016 happened

The last time I've had something close to an anxiety attack was back in College wherein I felt dizzy, some shortness of breath every now & then and even there was an occasion where I even cried. Looking back, it felt trivial for since then I've pretty much enjoyed my roller-coaster of a life from blogging, traveling, volunteering, entering the corporate world, the entrepreneurial world and getting involved in the finance world.

But then, 2016 had to happen and I was completely unprepared for it. In 2016, I have officially thought that I've 'retired' from blogging and gradually-consistently reducing my social media activities even. I just wanted to try something else and that I didn't want to be part of the ridiculously mainstream and often times shallow and fake the online world has become.

That was a bad idea. I basically started blogging in order to express myself, my thoughts, and whatnot. By doing so, I kind of was cutting my own lifeline of sorts for that was keeping my anxiety at bay.

The whole of 2016 was mostly very anxiety filled for me. With so much emotion, baggage that I have ignored, add to that crazy world or even local events, plus some personal issues I had to deal with coming together without any medium of release. However, it didn't come to an explosive or breaking point since I somehow was able to find another outlet which was going to the great outdoors.

Now that 2017 has arrived, and after my yearly self reflection, I have relearned that I needed to express myself more. For I kind of forgotten that this blog has been a form of therapy for me.

My anxiety has gotten the best of me last year for sure. My anxiety taps me on the shoulder and whispers to me that the person who’s sitting next to me on the jeep/bus might not like me. Weird, it has been a long time since I felt like this I thought.

Do you ever worry so much that you cannot sleep at night? Do you feel that people are always judging you? I was in a fight in my own mind, constantly trying to conquer those thoughts since I had been here before or at least felt this sort of situation before.

Having anxiety amplifies all my negative thoughts. It’s awfully tough to trust people or believe the fact that they’re going to be there for you in these difficult times. Which also means that I have slowly isolated myself as well (online and offline) and wasn't even conscious of it. I went from extremes of doing things on my own while also seeking the company of others (friends, co-workers..etc..).

There are days when I am so exhausted, sometimes from working or the thought of being at work as well. I am physically and emotionally drained from combating these thoughts in my mind plus throwing a false facade made it worse (I wasn't even aware of it until recently - I had to acknowledge it). At times, I am in another world and I zone out. I talk to myself constantly and I over-analyze every. single. thing.

Sometimes I don’t want to get out of bed. Sometimes I don’t want to talk to anyone. Sometimes I just want to be alone. Sometimes facing the world is too much after I had to face it all by myself.

I somehow managed to trace the triggers that led to this tipping point of my anxiety returning with a vengeance. It's not that I'm blaming certain people or situations but I just really need to get this out of my brain and chest.
  • I'm somewhat anxious of my 'singleness' and started the year with a broken/rejected heart (ah what's new? It's not that bad, I'm still alive). And the confusing resurgence of it.
  • On top of that, I was actually studying for the Real Estate Board Exams - after more than 5 years away from school I was studying for an exam on whim.
  • The biggest anxiety causing event was my Father's permanent 'Return' home as he retired from working as an OFW. Me and my sister for the most of part of our lives were only used to having our father around for 1-2 months each year and then suddenly we needed to get used to him for more than the usual amount of time - it's a sad reality that OFW families face that's not really being talked about.
  • Dealing with a disconnected-negative-paranoid parent - imagine getting to know one of your parents who you thought you knew only to find out that such a person was miserable and filled with regret while also wanting others to be miserable too (though I'm not sure this person is even aware of it - this person's self awareness is so poor as well that it's useless talking things through).
  • Work changes - changes are inevitable but too much can be overwhelming
    • You discover a lot of changes in policy
    • You were part of a team, then uprooted to be absorbed into a new team with new faces, attitudes and new working environment all of a sudden (I have only adapted by surrendering to my fate)
    • You get transferred to a building with no cubicle walls (ahh for an anxious person that's really bad).
    • It's not fun working anymore but adulting needs to happen.
    • Some of my friends have left the workplace - I'm somewhat clingy I guess.
    • That's not even the end of it but yeah, I guess I had to finish my goals and targets at work
  • My Emotional Baggage Remnant - do you know what act of lasciviousness is? (Google it) I was on the receiving end of it (but that happened like more than a year ago from 2016). 
    • I'm still pissed that the law failed
    • I'm still pissed that legal entities are indeed void of emotion despite projecting of 'protecting' it's people
    • I'm still pissed that I can't even inform my friends who were in proximity to the situation (But I have let go of my rage and forgave the culprit but will not forget it - if provoked I'll do what's necessary still)
  • Because of a combination of those above (wherein sometimes these events intersect), I sometimes feel that I want to scream. I want to run. I want to feel everything or nothing at all!
  • When my investments (stock market) went on a roller coaster ride - who wouldn't be anxious!
  • All the other external happenings in the world and locally (PDuterte won, PH Politics, Brexit & the like negative financial events, Wars around the world, ..etc..)
The only thing that kept me from going crazy was my routines. Tracking expenses, exercise (running, Muay Thai, Yoga, Trekking) and also reading a bunch of manga, xianxia, wuxia light novels. Deep breathing also works. 

I also have to constantly remind myself that people are too busy with their own lives to be judging or hating on you. Even though the though of not knowing what everyone else is thinking can bother me (especially if it's the people who are close to you or maybe your 'crush'), I have to relearn that I have to accept that it is difficult to change someone’s else’s opinion of you.

I also find the weirdest learnings and realizations in fiction like the xianxia-wuxia light novels I read and even watching animations such as this:

All I can really do is try and be a better person.

Remember, everyone is going through a battle you may not be aware of. Be kind. When someone’s mind is their enemy -they can’t afford to have any others.

Anxiety can be bothersome but I just have to accept that I it is a part of me and it may even help me be a better person. I am not my anxiety. I'm ready to punch 2017 in the face.

Friday, December 30, 2016

Investments as gifts

The holiday season is now in full swing and not to freak you out, but holiday gift-giving time is around the corner. You may be searching for that perfect gift and probably in some sorts of ‘gift-giving’ stress right now; nobody dislikes receiving cash, but as the gift-giver you may want to bestow something that’s more personal. Perhaps a gift option you might not have previously considered is an investment/s.

I remember when I was little that I was gifted with a ‘savings account’ in a bank, it was something I could never forget. If managed properly, an investment will continue to pay you dividends for decades down the road.

Pooled Funds
ETFs, UITFs or Mutual Funds are an easy way to give an investment that will earn interest over time, a younger gift recipient might prefer an investment that, although risky, is more likely to provide bigger returns over 10, 20 or even 40 years. Some may recommend gifting stock market account instead of the usual savings account but this may require mentoring on your part as well.

A pooled fund on the other hand has lesser personal engagement or upkeep and the recipient is basically receiving the entirety of the market — not just a single investment, but a diversified portfolio of investments (bond, equity..etc..)! Also, some financial institutions have even offered an investment gift card version of this as well.

I have a friend who gave a 100k Single Pay VUL (1-time pay insurance + investment product) as a gift to an inaanak and then attach a letter that says “this should cover all the birthdays, and seasonal holidays for the rest of your life, enjoy it in 30 years!

Financial Advice
If you are quite financial savvy yourself, why not give the gift of mentorship. Gifting ‘financial advice’ may not be limited to giving it out personally, it can also be through sponsorships or ‘shouldering-the-cost’ of knowledge such as: books or the like educational materials, seminars and trainings.

Also, a trip to a qualified financial planner can help the recipient understand the value of money, savings and investing or even help them get out of debt!

Funding  Dreams  and  Experiences
Sure, cold hard cash is great, but it might be most effective if it is money earmarked for a specific purpose, such as paying for a car, travel or to establish a college education fund. As your children, inaanak (or even your peers) get older, spend time to work together on goals to make this happen.

Of course there is a limitation to this as sometimes you may not realize that there are strings attached to your gifts. Like giving a puppy without regard to its vaccinations, supplies, food, medical care..etc.. I’m not saying you should not gift property but also be aware if the one you are giving can sustain the strings attached to the gift (lifestyle costs, and the like).

Don’t  forget  about  Yourself
You can definitely still use the recommendations above to yourself, especially when you save your bonus. And you don’t have to gift during Christmas, there’s also the rest of the year.

“Happiness doesn’t result from what we get, but what we give.” -Ben Carson

Happy Holidays!


The writer is an RFP® - registered financial planner of RFP PH, Licensed Real Estate Broker and Director of CERTA, Inc., a family estate planning and investment advisory firm. To know more, please visit www.certa.ph

Originally Published in Philstar - The Freeman Newspaper last December 20, 2016.

Thursday, December 29, 2016

What to do with that Christmas bonus

Every year many employees and workers happily anticipate finally receiving their yearly bonuses. Be it variable pay, profit share, Christmas bonus, 13th-month or even 14th-month pay. Rather than wait for the new year to “get started” with one’s new year’s resolution on personal finance, investments and the like, December is probably the best time to do it due to the increase in one’s spending power.

“The wise have wealth and luxury, but fools spend whatever they get.” (Proverbs 21:20, NLT)

Here are some ways for you to spend it and begin the journey in investing in yourself!

Invest in yourself — Knowledge is power and education is the most powerful weapon you have to change the world, your own world! You can get started by gaining education or through short courses. Learning can be online or done in real classrooms, but you will surely learn something new.

Pay all your debts — Sure you can pay it later on but this will restrict your spending in many ways, even hindering your plans (travel, dream house, car…etc.). Pay all forms if possible: credit cards, 5-6, personal loans and the like.

Create an emergency fund — It’s better to be prepared even if nothing happens than to be not prepared when financial disaster strikes! One needs to establish a fund equivalent to six months of your monthly expenses.

Get a life insurance — You do not buy this for yourself but for those who you leave behind. Besides, you need only one (sufficient enough of course) for you have a family that needs to be protected in case you die unexpectedly, suddencritical illness or you figured in an accident.

Have health coverage —“Mahal Magkasakit” that is a truth that we can all agree. Make sure you are contributing to Philhealth, get some health insurance or even an HMO. Health is wealth after all.

Start that retirement fund – once all if not most of the above are achieve, then one can confidently dive into the world of investments and begin by getting into the stock market (upcoming IPOs) or even through pooled funds (UITFs, Mutual Funds, VULs..etc..).

Begin on important repairs – we are a country that gets hit with an average of 20 storms or typhoons every year. Shelter is one of our basic needs and if repairs are needed, it should be done while there is no storms of natural disasters. Taking preventive measures or maintenance can save you a lot money.

Bless others through Gift giving —Just because I mentioned the above that you can be “stingy” during December. It is the season for giving and thanksgiving. You can start by donating to a local kids charity, church or perhaps even volunteer your time in a non-profit organization.

Travel/vacation fund — They say that traveling helps us grow and open our minds to many different perspectives. But of course, don’tspend all your bonus into this.

Hire a financial planner — Hiring a registered financial planner, will enable you to save a lot of time, trial and errors as you are getting help based from another’s experience and expertise, to help youcreate a plan, manage the risks involved and minimize the mistakes you may encounter in investing.


The writer is an RFP® - registered financial planner of RFP PH, Licensed Real Estate Broker and Director of CERTA, Inc., a family estate planning and investment advisory firm. To know more, please visit www.certa.ph
Originally Published in Philstar - The Freeman Newspaper last December 13, 2016.

Wednesday, December 28, 2016

Horas non numero nisi serenas

Horas non numero nisi serenas” — is a Latin phrase carved on a sundial near Venice that means: I count only the hours that are serene.

This thought is reflected in the writings of Hazlitt (On a Sundial, 1827): "There is a softness and a harmony in the words and in the thought unparalleled. Of all conceits it is surely the most classical… to take no note of time but by its benefits, to watch only for the smiles and neglect the frowns of fate, to compose our lives of bright and gentle moments, turning away to the sunny side of things, and letting the rest slip from our imaginations, unheeded or forgotten!"

Some companies maneuver the numbers to a certain extent to achieve budgets and get bonuses. This is nothing new. But sometimes companies take it a bit too far with factors such as greed, desperation, immorality and bad judgment drive some executives to corporate fraud. Or even other times it’s like telling a lie and a white lie; it may not even be big lump sums, it could be a calculated diminutive manipulation (I’d recommend watching the recently released movie called “The Accountant”).

Sometimes, companies exclude bad news from their financial results on the pretext that negative events are "extraordinary" or "non-recurring". They use their spin-doctors to ease the effect of a loss or even make it sound confusing, vague or even ambiguous (Another movie recommendation on how the financial industry is filled with ridiculous jargon is “The Big Short”).

Stock traders follow the trend of the charts through technical analysis and value investors do fundamental analysis while looking at the cash flow, balance sheet and income statements but still it doesn't mean that they are looking for fraudulent or “cooked” reports. Although the previous weeks’ articles were about lazy investing strategy and having financial industry experts do these things for you, it is still a good to be aware and know how to spot some red flags and knowing where or what to look out for. This is also so one can protect their investments from financial disasters.

Here are some items/methods for you to look at and keep you alert for warning signs of manipulation:

* Accelerating Revenues

* Delaying Expenses

* Accelerating expenses

* Non-recurring expenses

* Other income or expenses

* Pension Plans

* Off-balance-sheet items

I am not saying these items listed are bad, but some can be easily abused such as “pension plans”. This doesn't mean that the company is definitely cooking the books, but if a company makes you suspicious, that's a sure sign that you should dig deeper before making an investment.

Unfortunately, as entrepreneurs as well as investors, we have to always take into account the sunny days as well as the darks hours of company’s earnings report, financial statements equally and not just be too biased on one side (balancing pessimism and optimism).

And lastly, since I’ve already made some movie recommendations tackling topics about the world of finance above, here’s more for you to consider to watch for learning, entertainment and to pass time: Capitalism: A Love Story (2009), Wallstreet: Money Never Sleeps (1987 & 2010), Inside Job (2010), Too big to fail (2011) and The Wolf of Wallstreet (2013).


The writer is an RFP® - registered financial planner of RFP PH, Licensed Real Estate Broker and Director of CERTA, Inc., a family estate planning and investment advisory firm. To know more, please visit www.certa.ph
Originally Published in Philstar - The Freeman Newspaper last December 06, 2016.