The first season of Nang Magising si Juan ended last Aug. 10.  Look out for announcements on the second season by late August or early September.  Ariel went to Hong Kong with the CFE Team to attend an orientation of members of KsKCoop.  He had such a great time with them and Ariel realized how much sacrifices the OFWs in Hong Kong have been enduring through the years.


Ariel got a little emotional at end of the KSK Coop Orientation Seminar — with the following realization:’Na-realize ko, kung ito ngang mga kababayan natin — naghihirap at nagtitiyaga dito sa ibang bansa, malayo sa kanilang mga pamilya — ay kayang ayusin at harapin ang kanilang mga problemang pinansiyal, ako pa kaya na nasa sarili kong bansa at may maayos na trabaho. Nagising ako…

Ariel with Mr. Armand Bengco (KSK Coop Gen. Manager) and the rest of KSK Coop members in Hong Kong

Missed the past episodes of season 1? Catch them at!


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Beware of ATM Skimming

Few days ago, news got out about a woman who lost her retirement fund of P400,000 from her ATM account. For 31 years, she worked hard to earn and save that amount. Investigation revealed that her bank account details were obtained without her knowing it. Apparently, someone installed a device in the ATM machine she used and copied her card’s details (for more details of the story, click here).

The woman was one of the victims of card skimming, a dubious practice where criminals install a device within an ATM machine to obtain card details of ATM holders. Most of the victims are those who have a big amount of money in their ATM accounts. In just a blink of an eye, they can lose everything they had worked for.

We at the Colayco Foundation would like to remind everyone NEVER to have a big amount of money in your ATM account. It’s important to spread your money in different investments. Mr. Armand Bengco, the foundation’s Executive Director, recommends having only an amount up to P5,000 in your ATM card, especially if it’s your payroll account. Life savings (if one already has it) should be placed somewhere safer like a time-deposit account.  Putting it in an ATM account is highly vulnerable to ATM skimming.

When handling your ATM card, you must always exercise caution. Here’s an infographic from on how to protect yourself against ATM skimming:

There’s a deep truth in the saying “Prevention is better than cure.” And this is highly applicable in personal finance. If you do not exercise it, then you risk losing the wealth you worked hard to achieve.




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A Brand New Seminar?

For more than 10 years, Colayco Foundation has provided many seminars that empower income-earning Filipinos to reach for their desired wealth. And so many lives were changed in the process. For instance, many have gotten into investing, risen from debt, and are already living off their desired lifestyle.

And yet there are still those who still desire more important financial knowledge and skills. They cannot move until they obtain it. While it may be a cause for alarm, we are also glad that there is a growing move among income-earning Filipinos to learn more, so as to create change within themselves.

In response to this need, we would like to ask you to answer a brief survey. This survey will simply ask you what other seminars do you want us to focus on. We want to provide more quality seminars to help more Filipinos become competent and driven in achieving their desired wealth. Your voice is DEFINITELY important to us. All you need to do is to answer the survey by clicking the picture below:

Thank you for your cooperation.

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May Bagong Mangyayari

Anim na season ng pagtatalakay at pag-aaral ang nagdaan. Mula sa Sampung Utos ng Pagpapayaman hanggang sa pagtuturo ng pera sa mga bata, marami nang mga paksa ang pinag-usapan.

Ang tanong ngayon:

Nagsimula ka na bang magplano para sa iyong kinabukasan?

Nag-iipon ka na ba ngayon?

Pumasok ka na ba sa pag-iinvest?



Kung wala pang nangyayari, puwes, MAY BAGONG MANGYAYARI!!!



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Francisco Colayco's Blog

When Will You Decide You Made a Wrong Investment?

by: Francisco J. Colayco first published in Good News Pilipinas on October 14, 2013 Believe it or not, most investors invest without clearly defining what they expect to gain, what they need it for and when it should happen. For many people, “Hope springs eternal” because their focus is just in earn …

Combined Mutual Fund and Insurance

by: Francisco J. Colayco first published in Good News Pilipinas on October 23, 2009 Some asked me about a kind of insurance policy, which offers the insured the option to define whether he wants more protection or investment in one single instrument. His kind of policy is sometimes called VUL or Var …

  • Read more of Francisco Colayco's blog at

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