Retirement plan

Saving Money
When I was young, I couldn't hear much about pension plan, savings plan, education plan or lump sum investment. In the Philippines, usually, pension plans are children themselves. When they get old, they don't bother much about finances or who will be the one to look after them. when you are married to a guy who has parents near you, you need to prepare that you are going to look after the parents, so the best thing to deal with this is that you need to have your own children to look after you when you get old as well, huhuhhuhu.  This happens mostly in the provinces and few decades ago. This time not much and some wants to work abroad and escape of this way...

Financial Advise
If you have a children, you really need a financial advise to help you sort out things but not all advisers are very good in giving advice to people. Some, they advise to scare them. I have a friend, who is a British and have been given a financial adivice. The guy gave her overview and really went step by step in details. At the end of the long conversation, he said they must act now! they must do something or do an immediate saving to rescue them. they are already more than 50's and to save for the future is very tight! In other words, they are scared that they can't afford to live until their 70s because they don't have enough saving at all! Some people, they don't want to put their money in the bank because they said if the bank collapse, they will not have anything. If you invest your money in an offshore market, somehow it is fine! Others, they like to put their money under the bed, inside the socks, or pillows but that is their option. They can do whatever they want anyway.
Save wisely
They said it is always best to save money for the future since we don't know what the future holds. I found it difficult sometimes. I am advising people to do it, but to be honest, I am a 1 day millionaire. If I know I have money in the bank, I can find things how to spend it! Honestly, too difficult, but I will try my best to help myself as well as other people. Save money. Save time. Save Lives.

Much love,

Nov30