WALAAAA PAAAAAA

SLIDESMANIA
 WRITTEN BY :
G12- ABM ‘21 – ’22

CONCEPTUALIZED AND CREATED

BY:
DR. JENNIFER T. RAMOS
SLIDESMANIA
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HHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH
DR. JENNIFER T. RAMOS
HHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH
MENTOR-COACH
SLIDESMANIA
 ARTICLE OF DR. JENNIFER T. RAMOS

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SLIDESMANIA
 BUDDY 1 : FINANCIAL FREEDOM IS A CHOICE
It is said that the middle class Filipino family’s savings is one critical illness away. In the time of the new normal, financial advisors are
sought for now more than ever. For this, we interviewed Marielle Nikka Oliveros, a licensed financial advisor. With the help of Ms. Oliveros, we are
given exclusive insight and insider information into the workings of Sun Life—for free! Ms. Oliveros helps us through the ropes of financial
wellness by introducing us to the foundation of financial independence.

As per Randel Tiongson’s Financial Freedom Ladder, Ms. Oliveros emphasizes the importance of a healthy mindset in the pursuit of
financial wellness. By establishing a firm change in our habits and reframing our thoughts regarding financial matters in a more positive way, we can
ease our way to our ultimate goal of financial independence. She recommends seeing financial independence as something that works for you instead
of something that you work for because the moment you see money management as a burden is the moment you fail to achieve financial wellness. In
line with this, she suggests maintaining a healthy cash flow by budgeting for daily expenses and then saving and investing what is left. In order to
avoid overspending, budgeting is your friend. As your business finance consultants and financial wellness buddies, we recommend keeping loose
change in a traditional piggy bank and tracking the inflows and outflows of cash with a budget calendar or financial planner. Additionally, Ms.
Oliveros suggests keeping track of credit scores to ensure that it doesn’t go too low so we can avoid the side effects of bad credit—from sinking
further into debt, higher costs of insurance, and trouble securing a job. Eliminating debt, as well as avoiding the need for loans in the first place, is
the key to getting back on track in terms of financial independence
SLIDESMANIA
 BUDDY 1 : FINANCIAL FREEDOM IS A CHOICE
To do this, our interviewee suggests investing a small amount of your savings into an emergency fund separate from your daily
spending budget. This emergency fund will be used in the time of short term financial loss during unexpected events, such as accidents, illness, or
death. As your financial wellness buddies, we recommend saving before you can spend anything. By putting aside a set amount each month for your
spending plan and emergency plan, you can avoid having to dig for loose change in the face of a rainy day. Our interviewee also goes by the principle
“prevention is better than cure” since she recommends setting up adequate insurance and asset protection plans for life, health, and retirement so we
can prepare for future events, good or bad. By keeping our minds open and preparing for the future, we can steadily work towards our goals and
maximize the benefits of our savings and reap the fruits later on in life. Living comfortably when we grow older is and will be achievable if we find
the time to work towards it by saving for rainy days and preparing for financial setbacks, setting up insurance and spending according to a budget
plan. Ms. Oliveros is a big believer in protection assets, because these prevent you from sinking further into debt. Financial advisors guide and
protect clients who are facing uncertainties that may steer them away from their path and hinder their financial growth. Choosing to protect your
assets and setting yourself up for success paves the way for personal financial wellness and proves that financial independence is a choice and the
key to a good life.

JEREMY G. BACULI & ALEXA ARELLANO

SLIDESMANIA
 BUDDY 2 : FASCINATING FINANCIAL TIPS
Ellah P. Gallon, REB, REA. A senior unit manager from AXA Philippines based on our research AXA is one of the largest and fastest-
growing life insurance companies in the country offering financial security to more than 900,000 individual groups and individual life insurance.
AXA Philippines is now a provider of a comprehensive suite of personal and groups insurance in the Philippines. IS AXA A GOOD COMPANY?
yes, although they may not be the most affordable life insurance company out there though we do not have rates to compare. It seems unlikely they
offer budget products but they appear to be a good one.

Throughout the whole interview, our interviewee shared to us the struggles of Filipinos when it comes to financing. She told us that
being Financially Literate is what most Filipinos struggle with and the idea of investing and saving up for the future is not really an idea that
Filipinos are open to. Her job as a financial adviser is quite difficult because of these factors and because her clients are not open to the idea that she
will be teaching them. We believe that we she said is true because when it comes to money, most Filipinos are keen on figuring out how to spend it
rather than focusing on how to invest in it for future purposes. In our opinion, it is important to teach the basics of financial literacy in school so that
Filipinos can start being knowledgeable on how to invest and save up from a young age. Education is key to helping millions of Filipinos to
somehow gain financial independence.
SLIDESMANIA
 BUDDY 2 : FASCINATING FINANCIAL TIPS
We learned a lot from our interview with Mrs. Gallon. As students, financial independence isn’t really a thing we think of majority of
the time because it has been instilled to us that we shouldn’t be thinking of these things yet. With the new lessons we have learned with our interview,
we have made an action plan in order for us to gain financial independence one day. The mere fact that we are slowly learning more about financial
literacy is a huge step to gaining financial independence. According to Mrs. Gallon, having knowledge about financial literacy is important to
reaching our goal. Someday, when we have jobs and we receive our incomes, we will then learn how to manage them. Learning how to manage our
incomes such as knowing where we will spend it, where we will save it, and where we will invest it is a way to gain financial independence, as well.
So far, these are the steps we have curated in our action plan to gaining financial independence.

DARESSE GOMEZ & NAEOMIE JACINTO

SLIDESMANIA
 BUDDY 3 : BE EDUCATED. BE STABLE. BE
SOMMEBODY.
Financial wellness is a fundamental indication of a person's financial stability; it relates to your whole financial position. It might also be
viewed as a reflection of your financial stability. Because your financial health encompasses all aspects of your financial life, it comprises various
components such as income, expenditure, savings, loans, and overall financial planning. Being in excellent financial wellness is an important
component of overall good health since stress caused by poor financial health may swiftly lead to physical illness.

The following are summarized versions of the answers Ms. Katrina Joy M. del Mundo has provided for the article; Ms. Del Mundo
mentioned how Filipinos can simply reach financial wellness “When they allow themselves to learn how to properly manage their money.” When it
comes to money and spending, most Filipinos are extremely obstinate; some people may be classified as "Impulsive buyers." Impulsive customers
have a strong desire for excitement and gain emotionally from repeated purchases.

For the question “How do you know when your customers have improved or become better in their financial situation?” , Ms. Del Mundo answered
that once their needs have been met, you will have a better understanding of their present and future needs. This includes your physical, mental, and
social health. Also, when people create separate funds for health, emergency savings, and etc. The impact of the coronavirus pandemic on incomes
and livelihood has caused Filipinos to be more aware of their financial health and save up for future needs. (Business World, August 26, 2021). As
Ms. Del Mundo stated, some people are like oneday millionaires, and if they have extra money, they spend it rather than save it. However, some
people are careful with their money. They live within their limits and stick to their budget.
SLIDESMANIA
 BUDDY 3 : BE EDUCATED. BE STABLE. BE
SOMEBODY.
Ms. Del Mundo strongly advises the 70-20-10 and 50-30-20 rules; these are both basic percentage breakdowns for spending, saving, and
sharing money. Using the 70-20-10 rule, a person would spend just 70% of their earnings, save 20%, and distribute 10% of their earnings each
month. The 50-30-20 rule has the same effect. Only three things can be done with money: save it, spend it, or share it.

Saving money is really essential. It provides you with peace of mind, broadens your alternatives for decisions that have a significant
impact on your quality of life, and finally allows you to retire. Most rich people achieved their position via a mix of their own hard work and wise
savings and investment decisions. Basic research is still an important factor in achieving financial stability. Take investment risk management
available online to know your interest regarding investing your money. People who are unfamiliar with saving or anything involving their money
should do some research beforehand, and as Ms. Del Mundo suggests, you can consult a financial worker because they are the most knowledgeable
about these types of topics.

RAPHAEL TORRES & MAI ALNOOH

SLIDESMANIA
 BUDDY 4 : FINANCIAL FREEDOM IS A CHOICE
It is said that the middle class Filipino family’s savings is one critical illness away. In the time of the new normal, financial advisors are
sought for now more than ever. For this, we interviewed Marielle Nikka Oliveros, a licensed financial advisor. With the help of Ms. Oliveros, we are
given exclusive insight and insider information into the workings of Sun Life—for free! Ms. Oliveros helps us through the ropes of financial
wellness by introducing us to the foundation of financial independence.

As per Randel Tiongson’s Financial Freedom Ladder, Ms. Oliveros emphasizes the importance of a healthy mindset in the pursuit of
financial wellness. By establishing a firm change in our habits and reframing our thoughts regarding financial matters in a more positive way, we can
ease our way to our ultimate goal of financial independence. She recommends seeing financial independence as something that works for you instead
of something that you work for because the moment you see money management as a burden is the moment you fail to achieve financial wellness. In
line with this, she suggests maintaining a healthy cash flow by budgeting for daily expenses and then saving and investing what is left. In order to
avoid overspending, budgeting is your friend. As your business finance consultants and financial wellness buddies, we recommend keeping loose
change in a traditional piggy bank and tracking the inflows and outflows of cash with a budget calendar or financial planner. Additionally, Ms.
Oliveros suggests keeping track of credit scores to ensure that it doesn’t go too low so we can avoid the side effects of bad credit—from sinking
further into debt, higher costs of insurance, and trouble securing a job. Eliminating debt, as well as avoiding the need for loans in the first place, is
the key to getting back on track in terms of financial independence
SLIDESMANIA
 BUDDY 4 : FINANCIAL FREEDOM IS A CHOICE
To do this, our interviewee suggests investing a small amount of your savings into an emergency fund separate from your daily
spending budget. This emergency fund will be used in the time of short term financial loss during unexpected events, such as accidents, illness, or
death. As your financial wellness buddies, we recommend saving before you can spend anything. By putting aside a set amount each month for your
spending plan and emergency plan, you can avoid having to dig for loose change in the face of a rainy day. Our interviewee also goes by the principle
“prevention is better than cure” since she recommends setting up adequate insurance and asset protection plans for life, health, and retirement so we
can prepare for future events, good or bad. By keeping our minds open and preparing for the future, we can steadily work towards our goals and
maximize the benefits of our savings and reap the fruits later on in life. Living comfortably when we grow older is and will be achievable if we find
the time to work towards it by saving for rainy days and preparing for financial setbacks, setting up insurance and spending according to a budget
plan. Ms. Oliveros is a big believer in protection assets, because these prevent you from sinking further into debt. Financial advisors guide and
protect clients who are facing uncertainties that may steer them away from their path and hinder their financial growth. Choosing to protect your
assets and setting yourself up for success paves the way for personal financial wellness and proves that financial independence is a choice and the
key to a good life.

JAIRUS CALAY & ALTHEA DAA

SLIDESMANIA
 BUDDY 5 : FINANCIAL FREEDOM IS A CHOICE
It is said that the middle class Filipino family’s savings is one critical illness away. In the time of the new normal, financial advisors are
sought for now more than ever. For this, we interviewed Marielle Nikka Oliveros, a licensed financial advisor. With the help of Ms. Oliveros, we are
given exclusive insight and insider information into the workings of Sun Life—for free! Ms. Oliveros helps us through the ropes of financial
wellness by introducing us to the foundation of financial independence.

As per Randel Tiongson’s Financial Freedom Ladder, Ms. Oliveros emphasizes the importance of a healthy mindset in the pursuit of
financial wellness. By establishing a firm change in our habits and reframing our thoughts regarding financial matters in a more positive way, we can
ease our way to our ultimate goal of financial independence. She recommends seeing financial independence as something that works for you instead
of something that you work for because the moment you see money management as a burden is the moment you fail to achieve financial wellness. In
line with this, she suggests maintaining a healthy cash flow by budgeting for daily expenses and then saving and investing what is left. In order to
avoid overspending, budgeting is your friend. As your business finance consultants and financial wellness buddies, we recommend keeping loose
change in a traditional piggy bank and tracking the inflows and outflows of cash with a budget calendar or financial planner. Additionally, Ms.
Oliveros suggests keeping track of credit scores to ensure that it doesn’t go too low so we can avoid the side effects of bad credit—from sinking
further into debt, higher costs of insurance, and trouble securing a job. Eliminating debt, as well as avoiding the need for loans in the first place, is
the key to getting back on track in terms of financial independence
SLIDESMANIA
 BUDDY 5 : FINANCIAL FREEDOM IS A CHOICE
To do this, our interviewee suggests investing a small amount of your savings into an emergency fund separate from your daily
spending budget. This emergency fund will be used in the time of short term financial loss during unexpected events, such as accidents, illness, or
death. As your financial wellness buddies, we recommend saving before you can spend anything. By putting aside a set amount each month for your
spending plan and emergency plan, you can avoid having to dig for loose change in the face of a rainy day. Our interviewee also goes by the principle
“prevention is better than cure” since she recommends setting up adequate insurance and asset protection plans for life, health, and retirement so we
can prepare for future events, good or bad. By keeping our minds open and preparing for the future, we can steadily work towards our goals and
maximize the benefits of our savings and reap the fruits later on in life. Living comfortably when we grow older is and will be achievable if we find
the time to work towards it by saving for rainy days and preparing for financial setbacks, setting up insurance and spending according to a budget
plan. Ms. Oliveros is a big believer in protection assets, because these prevent you from sinking further into debt. Financial advisors guide and
protect clients who are facing uncertainties that may steer them away from their path and hinder their financial growth. Choosing to protect your
assets and setting yourself up for success paves the way for personal financial wellness and proves that financial independence is a choice and the
key to a good life.

NICHOLAS RIGOR & RYAN BAYLON

SLIDESMANIA
 BUDDY 6 : MANAGE IT TILL YOU MAKE IT
Mrs. Argarin is currently working in a real Estate Company in Mandaluyong called Deca Gold Realty And Development Inc.
According to boosjob.ph, the company provides sales and marketing services to its partner Developer (8990), Realties and Brokerages, including
but not limited to: sales training for brokers and their salespersons, commission processing, sales document assessment and processing, sales and
marketing strategy formulation, and event planning/management. Upon looking at the background of the company, we came up with an idea to
focus on budgeting and investments. Budgeting has always been a help to be financially stable and so are investments. If you fail to plan, you plan
to fail. If, so this article will definitely help you strengthen your financial game.

Mrs. Argarin admitted that she also experienced challenges in budgeting. She revealed that the best way to overcome it is to stay away
from bad debt, debts that don’t help you earn and never gamble. If you are able to identify and avoid from running into it, you will reach financial
independence. Achieving financial independence is easy when you already recognize what factors are causing you to fall short of money. You will
have the ability to pay for all your living expenses without the need of letting your work consume your life if you will only focus on having good
personal assets. Saving money in a bank is way better than having cash on hand, because sometimes when your money is just in your purse you
can lose it as you can be a target of thieves. Unlike in credit cards, it may be stolen from you but you can easily report it to the bank and they may
replace the money once it is verified to be fraudulent.
SLIDESMANIA
 BUDDY 6 : MANAGE IT TILL YOU MAKE IT
Furthermore, Mrs. Argarin jokingly said that one of the signs that her clients are doing well is when they don’t need her anymore. But
she said that you will notice that a customer has improved his financial status when he can already save money and able to grow his assets. For
example, clients who choose to buy pre-construction condos. It is a good investment because when you invest in a pre-construction condominium
unit, your investment increases in value from the first day you purchase the condo unit and will continue to appreciate until you decide to sell your
unit. This long-term investment strategy is a great way to generate a passive income. For clients who already have a family, they give their kids a
head start and help them secure their future. Moreover, Mrs. Argarin also said that managing money is not as easy as you think it is. It requires a lot
of determination, desire, and discipline.

To sum up everything, there should be a distinct plan on how you will spend your money. You should know the difference between
needs and wants to be able to protect yourself from financial losses. Because when over spending went out of control, it penetrates a lot of stress
financially, physically and in other ways down the road. And this road is not the path you want to take, for it lacks the essential factors in surviving
life which continues to be competitive – strategy and stability.

RICHARD BOMPAT & SAMANTHA DELA CRUZ

SLIDESMANIA
 BUDDY 7 : FINANCIAL FREEDOM IS A CHOICE
It is said that the middle class Filipino family’s savings is one critical illness away. In the time of the new normal, financial advisors are
sought for now more than ever. For this, we interviewed Marielle Nikka Oliveros, a licensed financial advisor. With the help of Ms. Oliveros, we are
given exclusive insight and insider information into the workings of Sun Life—for free! Ms. Oliveros helps us through the ropes of financial
wellness by introducing us to the foundation of financial independence.

As per Randel Tiongson’s Financial Freedom Ladder, Ms. Oliveros emphasizes the importance of a healthy mindset in the pursuit of
financial wellness. By establishing a firm change in our habits and reframing our thoughts regarding financial matters in a more positive way, we can
ease our way to our ultimate goal of financial independence. She recommends seeing financial independence as something that works for you instead
of something that you work for because the moment you see money management as a burden is the moment you fail to achieve financial wellness. In
line with this, she suggests maintaining a healthy cash flow by budgeting for daily expenses and then saving and investing what is left. In order to
avoid overspending, budgeting is your friend. As your business finance consultants and financial wellness buddies, we recommend keeping loose
change in a traditional piggy bank and tracking the inflows and outflows of cash with a budget calendar or financial planner. Additionally, Ms.
Oliveros suggests keeping track of credit scores to ensure that it doesn’t go too low so we can avoid the side effects of bad credit—from sinking
further into debt, higher costs of insurance, and trouble securing a job. Eliminating debt, as well as avoiding the need for loans in the first place, is
the key to getting back on track in terms of financial independence
SLIDESMANIA
 BUDDY 7 : FINANCIAL FREEDOM IS A CHOICE
To do this, our interviewee suggests investing a small amount of your savings into an emergency fund separate from your daily
spending budget. This emergency fund will be used in the time of short term financial loss during unexpected events, such as accidents, illness, or
death. As your financial wellness buddies, we recommend saving before you can spend anything. By putting aside a set amount each month for your
spending plan and emergency plan, you can avoid having to dig for loose change in the face of a rainy day. Our interviewee also goes by the principle
“prevention is better than cure” since she recommends setting up adequate insurance and asset protection plans for life, health, and retirement so we
can prepare for future events, good or bad. By keeping our minds open and preparing for the future, we can steadily work towards our goals and
maximize the benefits of our savings and reap the fruits later on in life. Living comfortably when we grow older is and will be achievable if we find
the time to work towards it by saving for rainy days and preparing for financial setbacks, setting up insurance and spending according to a budget
plan. Ms. Oliveros is a big believer in protection assets, because these prevent you from sinking further into debt. Financial advisors guide and
protect clients who are facing uncertainties that may steer them away from their path and hinder their financial growth. Choosing to protect your
assets and setting yourself up for success paves the way for personal financial wellness and proves that financial independence is a choice and the
key to a good life.

JOAQUIN PAREDES & ALYENDRA TABILOG

SLIDESMANIA
 BUDDY 8 : FINANCIAL FREEDOM IS A CHOICE
It is said that the middle class Filipino family’s savings is one critical illness away. In the time of the new normal, financial advisors are
sought for now more than ever. For this, we interviewed Marielle Nikka Oliveros, a licensed financial advisor. With the help of Ms. Oliveros, we are
given exclusive insight and insider information into the workings of Sun Life—for free! Ms. Oliveros helps us through the ropes of financial
wellness by introducing us to the foundation of financial independence.

As per Randel Tiongson’s Financial Freedom Ladder, Ms. Oliveros emphasizes the importance of a healthy mindset in the pursuit of
financial wellness. By establishing a firm change in our habits and reframing our thoughts regarding financial matters in a more positive way, we can
ease our way to our ultimate goal of financial independence. She recommends seeing financial independence as something that works for you instead
of something that you work for because the moment you see money management as a burden is the moment you fail to achieve financial wellness. In
line with this, she suggests maintaining a healthy cash flow by budgeting for daily expenses and then saving and investing what is left. In order to
avoid overspending, budgeting is your friend. As your business finance consultants and financial wellness buddies, we recommend keeping loose
change in a traditional piggy bank and tracking the inflows and outflows of cash with a budget calendar or financial planner. Additionally, Ms.
Oliveros suggests keeping track of credit scores to ensure that it doesn’t go too low so we can avoid the side effects of bad credit—from sinking
further into debt, higher costs of insurance, and trouble securing a job. Eliminating debt, as well as avoiding the need for loans in the first place, is
the key to getting back on track in terms of financial independence
SLIDESMANIA
 BUDDY 8 : FINANCIAL FREEDOM IS A CHOICE
To do this, our interviewee suggests investing a small amount of your savings into an emergency fund separate from your daily
spending budget. This emergency fund will be used in the time of short term financial loss during unexpected events, such as accidents, illness, or
death. As your financial wellness buddies, we recommend saving before you can spend anything. By putting aside a set amount each month for your
spending plan and emergency plan, you can avoid having to dig for loose change in the face of a rainy day. Our interviewee also goes by the principle
“prevention is better than cure” since she recommends setting up adequate insurance and asset protection plans for life, health, and retirement so we
can prepare for future events, good or bad. By keeping our minds open and preparing for the future, we can steadily work towards our goals and
maximize the benefits of our savings and reap the fruits later on in life. Living comfortably when we grow older is and will be achievable if we find
the time to work towards it by saving for rainy days and preparing for financial setbacks, setting up insurance and spending according to a budget
plan. Ms. Oliveros is a big believer in protection assets, because these prevent you from sinking further into debt. Financial advisors guide and
protect clients who are facing uncertainties that may steer them away from their path and hinder their financial growth. Choosing to protect your
assets and setting yourself up for success paves the way for personal financial wellness and proves that financial independence is a choice and the
key to a good life.

TRIXIE ABULENCIA & KATHLEEN AQUINO

SLIDESMANIA
 BUDDY 9 : THE NEAREST ROAD TO FINANCIAL
INDEPENDENCE IS TO REAL ESTATE INVESTMENT
Gilbert Aldenese is a senior premier property specialist in Robinsons Land Corporation (RLC). He's been working there for 8 years
and received a lot of awards such as Top seller of the month for June, August, and October.

COVID-19 pandemic had caused a great impact on our economy, hence, affecting the lives of every single Filipino. Although most
of the Filipinos experienced financial crisis due to lockdowns, there were still some who reached financial independence amidst the challenges
brought about by the COVID-19 pandemic. Here are some tips and advice from Mr. Gilbert Aldanese in order for us to start our journey in the
nearest road to financial independence - the real estate investment. There are many things that will help the Filipino people to become
financially independent and one of those is through investments because you can never achieve financial independence just by being a regular
employee, or if you do, it will really take a long process. So, it’s better to have three sources of income - business, investment, and
employment. On the other hand, when we connect financial independence to real estate, customers can achieve it “if he/she will be worry free
in paying his monthly amortization” or if his/her property is self liquidating. “Whenever they get another property” is an indication that they
have improved or become better in their financial situation.
SLIDESMANIA
 BUDDY 9 : THE NEAREST ROAD TO FINANCIAL
INDEPENDENCE IS TO REAL ESTATE INVESTMENT
Most of the Filipinos are not financially literate and it’s normal for the teens or early twenties to buy things just to please other
people. However, there are also Filipinos who know about financial literacy and independence due to the information given online. Therefore,
we should handle things the way we wanted to handle it, not the way the people wanted you to handle it and always make sure to buy things
practically and functionally. In connection, in your early age, St. Peter is the easiest investment you could make because it's expensive to live
but more costly to die. We conclude that the nearest road to financial independence is to real estate investment because it will give you benefit
in many ways for real estate does not depreciate its value, as long as you are using your condominium as a rental or residential area. Moreover,
Covid-19 pandemic has been an eye-opener to us on the importance of good financial literacy and we have learned so much from our own
experiences in handling our money during these troubled times. Also, Mr. Aldenese had played a big part in helping us realize the importance
of investing at an early age and the things we should consider, the do’s and don’ts in order to achieve financial independence.

ELAISA TABIGAY & ANNA MAE TORRES

SLIDESMANIA
 BUDDY 10 : INSURANCE: UNLOCKS FINANCIAL SECURITY FOR
THE FUTURE
Imagine not getting stressed out about the financial losses you might cover if ever something bad would happen to you because you are
secured and protected by insurance. For our #BFTalk, we were able to hear from Ms. Angela Louise Evangelista, a 23-year-old Licensed Financial
Consultant from Celestial Summit Life Insurance Agency, Inc., one of the agencies that was established by one of the leading life insurance
companies in the Philippines: Pru Life UK. Ms. Evangelista was able to talk about her insights with regards to the benefits insurance give to the
people in terms of financial wellness, the status of insurance in the country during this time of COVID-19 pandemic, as well as her thoughts towards
people who neglect the importance of getting insurance for securement and protection. Having insurance will indeed give you a secured future that
can provide protection for you and your family; like what Ms. Evangelista answered about what the benefits of insurance are, “You are protecting
your family and your future.” Additionally, she talked about investing in a VUL (Variable Unit Link), which will provide a way for your money to
grow by investing in the stock market. This could help in achieving your dreams and goals—it could be an opportunity to grow your money as
investments, but could also be beneficial if something unexpected happens.“ Everyone needs to be insured for different purposes,” as said by Ms.
Evangelista when asked about who should be getting insurance. There are types of insurances for different kinds of needs—it is important for elders
to have health and life insurances; also for students, they might need insurance for their education, the insurance agency can pay for the repairs
expense instead. aware and alert. They became more afraid and open to uncertainties,” said by Ms. Evangelista. Another thing is that it gets harder to
have insurance as time goes by, that is why it is important to start early. The earlier you start, the more it is affordable, as said by Ms. Evangelista in
one of her online posts. Furthermore, Ms. Evangelista also added that she thinks breadwinners really need insurance to protect the members of their
family, as they are mainly the ones who provide for them. When something unexpected happens, the insurance agency will be the one to take action
for all the costly expenses
SLIDESMANIA
 BUDDY 10 : INSURANCE: UNLOCKS FINANCIAL SECURITY
FOR THE FUTURE
Insurance surely is a great investment as it serves as a security and protection against unwanted accidents and situations that people
may experience along the way. However, we do not want to deny the fact that there are still people who are scared to get insurance because it would
increase the things that they need to pay for. So, in order for them to understand what insurance really is and how it is a great investment in the long
run, like what Ms. Evangelista mentioned, they need to be open minded and guaranteed that it would be the best choice in order to protect and secure
their future, the wellbeing of their family, as well as their other assets such as their cars and houses. Moreover, aside from being open to uncertainties,
one should also consider their financial stability and capacity. They should not be reckless in investing but rather be careful in considering a lot of
things so that they can also get the type of insurance that is best suitable for them at their current situation. The knowledge about insurance is often
misunderstood by others, which makes them hesitant to invest their money in it. People are scared of what they do not know and understand, that is
why there are less people who plan to get insurance. With that being said, in order to make them understand what insurance is, we will be making a
financial wellness plan. This could help them understand why it is important for them and how this could help them protect their finances, guarantee
the protection of their family and future, and also achieve their dreams by making their money grow. Furthermore, this plan will aim to also promote
cautiousness and smart thinking behavior when it comes to investing and choosing the insurance that is best suitable for them.

CYRILLE ENRIQUEZ & RANDEL MONTALLANA

SLIDESMANIA
 BUDDY 11 : FINANCIAL AWARENESS
Pedro Carlo M. Ong was a graduate student of San Beda University and now a financial consultant and a relationship manager at
Veteran's Bank in Manila. The Philippine Veterans Bank, or Veterans Bank, is a medium-sized commercial bank in the Philippines. Their loan
products, such as the pension loan, home loans, salary loans, and MSME loans, are designed to help our fellow Filipinos achieve their dreams, our
corporate banking services are tailored to our client's needs, and our other services are delivered by PVB employees who care about their customers.
According to Mr. Ong, The first sign that a Customer reaches financial independence is when they no longer rely on one stream of income. Once they
understand and practice the concept of having a passive and an active income stream, He can assume that a client has reached or has at least started
their journey towards financial independence. If someone is no longer living on one paycheck to another then we can say he has already improved
his/ her financial situation. Living within or better yet below your means is an important aspect to improve your way of life financially. Lastly, the
majority of Filipinos are programmed to work until they can or at the very least until they retire just to sustain average living conditions. The concept
of preparing for the future is somehow non-existent. But now, at least more people are aware of investing and saving for the rainy days.

In our conclusion, we can say that if a customer no longer relies on a single source of income, they have achieved financial
independence. We can presume that a customer has attained or has at least begun their road toward financial independence once they grasp and
implement the notion of having a passive and active income stream. If a person is no longer living paycheck to paycheck, we may claim that he or
she has already improved his or her financial status.

GIULIA CONDRADA & ELIZABETH TANGSON

SLIDESMANIA
 BUDDY 12 : FINANCIAL FREEDOM IS A CHOICE
Pru life uk is an investment where people can have life insurance The President and CEO. Antonio Manuel G. De Rosas (Jumbing) is
President and Chief Executive Officer of Pru Life UK Philippines. He joined Prudential in 2007 as General Manager and Chief Financial Officer
and expected the job of CEO in August 2010. We interviewed Jennifer Agawan a financial adviser in pru life UK - purpite branch in district IV. She
is also an admin assistant in the Department of Health for almost 3 years.

Where she says that the first thing needed to save their emergency fund before they invest their money. Because it is hard when they
will borrow their money from other people and then it is hard to pay their borrowed money to that person. Also the way to know how they know
that their customers are growing or improving is when they are still doing the investment that they have started. Where they can still continue to
pay their plans. Because they know how to discipline and how to handle their money. She also said that some of the people are now open minded
but also some of these people are still afraid to take or to have an investment. They are still too afraid to risk their money when it comes to
investment.

MARIELLE ENCINA & CAMERON BELLEZA

SLIDESMANIA
 BUDDY 13 : FINANCIAL FREEDOM IS A CHOICE
It is said that the middle class Filipino family’s savings is one critical illness away. In the time of the new normal, financial advisors are
sought for now more than ever. For this, we interviewed Marielle Nikka Oliveros, a licensed financial advisor. With the help of Ms. Oliveros, we are
given exclusive insight and insider information into the workings of Sun Life—for free! Ms. Oliveros helps us through the ropes of financial
wellness by introducing us to the foundation of financial independence.

As per Randel Tiongson’s Financial Freedom Ladder, Ms. Oliveros emphasizes the importance of a healthy mindset in the pursuit of
financial wellness. By establishing a firm change in our habits and reframing our thoughts regarding financial matters in a more positive way, we can
ease our way to our ultimate goal of financial independence. She recommends seeing financial independence as something that works for you instead
of something that you work for because the moment you see money management as a burden is the moment you fail to achieve financial wellness. In
line with this, she suggests maintaining a healthy cash flow by budgeting for daily expenses and then saving and investing what is left. In order to
avoid overspending, budgeting is your friend. As your business finance consultants and financial wellness buddies, we recommend keeping loose
change in a traditional piggy bank and tracking the inflows and outflows of cash with a budget calendar or financial planner. Additionally, Ms.
Oliveros suggests keeping track of credit scores to ensure that it doesn’t go too low so we can avoid the side effects of bad credit—from sinking
further into debt, higher costs of insurance, and trouble securing a job. Eliminating debt, as well as avoiding the need for loans in the first place, is
the key to getting back on track in terms of financial independence
SLIDESMANIA
 BUDDY 13 : FINANCIAL FREEDOM IS A CHOICE
To do this, our interviewee suggests investing a small amount of your savings into an emergency fund separate from your daily
spending budget. This emergency fund will be used in the time of short term financial loss during unexpected events, such as accidents, illness, or
death. As your financial wellness buddies, we recommend saving before you can spend anything. By putting aside a set amount each month for your
spending plan and emergency plan, you can avoid having to dig for loose change in the face of a rainy day. Our interviewee also goes by the principle
“prevention is better than cure” since she recommends setting up adequate insurance and asset protection plans for life, health, and retirement so we
can prepare for future events, good or bad. By keeping our minds open and preparing for the future, we can steadily work towards our goals and
maximize the benefits of our savings and reap the fruits later on in life. Living comfortably when we grow older is and will be achievable if we find
the time to work towards it by saving for rainy days and preparing for financial setbacks, setting up insurance and spending according to a budget
plan. Ms. Oliveros is a big believer in protection assets, because these prevent you from sinking further into debt. Financial advisors guide and
protect clients who are facing uncertainties that may steer them away from their path and hinder their financial growth. Choosing to protect your
assets and setting yourself up for success paves the way for personal financial wellness and proves that financial independence is a choice and the
key to a good life.

JESSICA PAMANIAN & MAUREEN FRANCISCO

SLIDESMANIA
 BUDDY 14 : FINANCIAL ADVICE IN PANDEMIC
Dr. Juan Miguel P. Gonzalez graduated college in Feati University with a degree in management, he then continued his Masters and
Ph.D. in San Sebastian College and gained one of the highest academic awards. All throughout his career, having a work experience of 10 years in
banking and 1 year in logistics, he already received countless awards including Top Performers for Home Loan and Best referrer in terms of bank
insurance, when he was working at security bank. Now He is currently working at East west Bank Corporation which is a well-known bank here in
the Philippines. Having this in mind we think that Doctor Gonzalez would be the perfect person to be interviewed when it comes to financial
independence.

throughout our interview, with Dr. Gonzalez, he stated that reaching financial independence depends on how people will look or how they will plan
their financial needs, and expenses. And an Individual can only say that they are financially independent once, they are not depending on others, and
they have sufficient savings to live their life as they please. He also stated that because of being financially illiterate, Filipinos struggles to manage
their finances that leads to them having bad financial decisions and bad spending habits. And based on his 10 years of his experience as a banker
there are two types of customers one is the type who will just leave their money in the bank and let it grow and the other one is the customer that is
mindful of their funds. And he can only tell if those low and high profiled customers have improved financially if they start to invest and if their
deposits will get bigger from time to time, but for Dr. Gonzalez, each customer has a different phase on reaching financial independence some have
more knowledge than the other and some have very limited knowledge when it comes to finances and investments, and it is his job as a banking
personnel to guide their customers.
SLIDESMANIA
 BUDDY 14 : FINANCIAL ADVICE IN PANDEMIC
Upon asking Dr. Gonzalez about what is the best thing to do while pandemic is it better to save or to invest? and he answered "You
should do both savings, and investing. Save money for your emergency funds especially for health funds because we are currently in a pandemic,
you will never know when you will need it. If you are planning on investing during this time, is suggested you invest in bonds because it can
provide you with a predictable income stream. In conclusion, to improve your financial status or to achieve financial independence, you should
know and practice financial literacy. Gaining knowledge and developing skills that are needed to become financially literate at a young age will
benefit you for life, but it takes lifelong efforts since financial literacy is not accessible to all Filipinos. And since we are currently in a pandemic
setting and almost every one of us is struggling financially. We want this article to be an eye-opener for everyone that despite our current situation
it is not impossible to become or to start our journey in financial independence. Dr. Gonzales made us realize that there might be a lot of
opportunities that closed the door to us, but if you will look on the other side there are new opportunities out there that will help us in growing our
finances, we just have to take risks and adapt to the new normal. So as early as now start saving and investing, start your journey on reaching and
achieving financial independence!

ANGELA AGANAP & AIRA AGUILA & LENIN LABIAN

SLIDESMANIA
 - As Grade 12-ABM's GM, a realization that occurred to me is that
having knowledge and wisdom in handling money is a must in order to
be financially successful. Remembering the various lessons we have
gathered from the professionals that we have interviewed is a way we
can gain financial independence as well.

Naeomie Jacinto
GM
- On behalf of my classmates, I'd like to express our appreciation to the
interviewees who supported us and gave their time to answer various
questions in order to educate us and make us financially literate,
especially in light of the pandemic. Also, thank you to Doc Jen for guiding
us through this project.

Jeremy Baculi
SLIDESMANIA

Corpsec
 THANKYOU!
Supporting Documents: (Excel)
SLIDESMANIA