Making Your Money Work. Pera Mo, Palaguin Mo! 2
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Author: Francisco J. Colayco Nominated, 2004 National Book Awards, Business and Economics Category The first book simplifies financial principles and teaches you how to handle your personal finances even without any accounting background. This second book, in turn, gives you the first steps needed to start saving and investing. Through the stories of real people, you will learn from their experiences in starting a savings plan, assessing personal expenditures, handling credit cards and availing of loans. It also teaches you the power of passive entrepreneurship and provides an easy guide on how and where to invest your savings to make your money work for you. |
  An electronic copy of this book is already available. Please click on the logo of LULU or see the sample below. If you want a hard copy of the book delivered to your doorsteps, please order thru National Bookstore Online. |
What they say about the book:
Attaining wealth is within everyone’s reach, and Colayco is an expert at showing you how. As a leading advocate of educating the regular income earner on the timeless principles of attaining financial freedom, Colayco infuses the process of wealth creation with the higher purpose of sharing your success with your loved ones, your community, your church and our nation. Engaging, interactive and inspiring, Colayco’s second book is destined to be another bestseller!
ANTONINO L. ALINDOGAN, JR.
Former Monetary Board Member, Bangko Sentral ng Pilipinas
When I chaired the Capital Markets Development Council representing the Financial Executives Institute of the Philippines, we decried our country’s low rate of national savings vis-à-vis our Asian neighbors. This book is just what the doctor ordered. For national savings to grow, it has to start at the grassroots. For that “savings revolution” to begin, the message has to be delivered in a compact yet comprehensive and digestible medium of instruction. Congratulations to Topax Colayco who does just that.
JOSUE A. CAMBA, JR.
President, ValueGen Financial Insurance Co. Inc.
Mr. Colayco’s book is a simple instruction manual on how to make your money work for you. Financial independence is a dream we all strive for but never quite know how to start. This book lays out the road map, the rules and the rewards. Thank you Mr. Colayco, for pursuing the mission of educating our fellow Filipinos on money matters. More importantly, congratulations to you, the readers, on your future successes!
DONALD G. DEE
President, Philippine Chamber of Commerce and Industry
With Making Your Money Work: Pera Mo, Palaguin Mo! 2, Francisco Colayco continues his timely advocacy for Filipinos, not just the OFWs, the original target readers, to have Wealth Within (Y)Our Reach, the first book. A light, easy, but highly informative “must read” for Pinoys, including those who may seem socially sophisticated but are really clueless in personal finance. I also wish all young people who are starting to earn would read and heed this book of wisdom this early.
LYDIA B. ECHAUZ
President, Far Eastern University
The book is practical and should be recommended reading for everyone especially the employees. The basic tenet of “living within one’s means” is easily forgotten or set aside when success brings a promise of higher income. The lessons derived from the examples provide guidelines on how best to invest hard-earned savings. It gives hope to those feeling desperate about their economic future.
RENATO R. ERMITA
President, Asahi Glass Philippines Inc.
The first book has been read by many Overseas Filipino Workers, many employees of small, medium and big enterprises and many entrepreneurs. This second book is not only a must read for readers of the first book but by two other groups who wish to assure a personal financial future and/or gain personal financial freedom.
These are first-generation active entrepreneurs who are doing very well in their enterprise. They must start to prepare for their future when they can no longer be active entrepreneurs or run their enterprise. Another are Children of Owners or COOs who wish to gain personal wealth and not be solely dependent on the family enterprise.
PROF. ALEJANDRINO (ANDY) J. FERRERIA
Entrepreneurship Guru and Author, Entrepreneurs’ Helpline
FJ Colayco’s second book Making Your Money Work: Pera Mo, Palaguin Mo! 2 is a very informative book. Its approach is so simple that the reader will not miss the message to wage earners: the value of savings and how to handle credit. The thrift banking industry to which I belong can pick up a lot of tips that it can share with its customers. This is a “must read” for those in micro finance.
SUSAN R. FIGUERAS
Former President and CEO, Insular Savings Bank; Former President, Chamber of Thrift Banks; Consultant, Citibank Savings Inc.
Every diversified conglomerate or industrial giant that we now know, all started small. It is the vision of one man, or one family, that drives the dream to succeed and grow. While it is the vision that draws the road map, it is financial resources that fuel the drive. Financial resources start with savings, and grow with prudent investing. Mr. Colayco discusses in his book, these elements to succeed. Who knows? From among the ranks of his readership may rise the steward of yet another San Miguel Corporation.
SERGIO R. ORTIZ-LUIS, JR.
President, Philippine Exporters Confederation, Inc.
An expert Change consultant once said, “We cannot change an organization. We cannot even change one person. We can only ‘disturb’ a person.” Francisco “Topax” Colayco didn’t change us… but he certainly disturbed us! He got us re-thinking, re-visioning, re-computing and yes, rejoicing! What a breakthrough in our stewardship perspective! We have a long way to go (Topax is more “advanced” than us in terms of knowledge, experience and yes, life years!) but now we know it is “in the right direction.” Congratulations to a new book – certainly another best-selling and “best-disturbing” material from Mr. Colayco.
ANTHONY PANGILINAN AND MARICEL LAXA-PANGILINAN
Motivational Speakers and Trainers, Media Practitioners and Parenting Advocates
It is recommended that readers pick up and read first Francisco J. Colayco’s blockbuster Wealth Within Your Reach: Pera Mo, Palaguin Mo! before immersing themselves in Making Your Money Work: Pera Mo, Palaguin Mo! 2.
As the inevitable sequel to Colayco’s eye-opening course on personal finance, the book takes to a higher level the author’s challenge to ordinary Filipinos to take hold and assume full and deliberate control of their personal finances, which is the proven and tested formula to accumulate wealth and gain financial security.
The culture of temperance and savings inhabits this book, in a language that, similar to the previous volume’s, is apt for the great Filipino masses.
Sa aklat na ito, tukoy na tukoy ni Colayco ang kiliti ng masang Filipino, lalo na ng mga OFW, pagdating sa personal na pananalapi. Bukod dito, ang kaniyang mga payo upang mapalago ang ating kabuhayan ay hindi nagmumula sa kung sinong paham na nakasuot ng Teflon sa loob ng silid-aralan, kundi dumadaloy mula sa hitik na karanasan ng mga Filipinong ang anino ng pagsusumikap, kabiguan, at tagumpay, ay tila multong bumabalik upang takutin tayo sa pagtakas sa ating karukhaan.
For OFWs and anybody else who desires financial liberation, this book is a must read.
MARIANITO D. ROQUE
Administrator, Overseas Workers Welfare Administration (OWWA)
I enjoyed the first book but I enjoyed this even more. By simplifying through examples such a complex matter as financial planning and presenting concepts with wonderful clarity, Colayco has produced a teaching tool for Filipinos to learn about financial literacy. If every Filipino read and applied the concepts in the book, the Philippines might have a chance to experience an economic revolution.
REBECCA B. SINGSON, M.D., FPOGS, FPSCPC
Obstetrics and Gynecology Consultant, Makati Medical Center and Asian Hospital & Medical Center
In Making Your Money Work: Pera Mo, Palaguin Mo! 2, Mr. Colayco effectively reaches out to the average Filipino who needs financial stability in simple, straightforward language. The book dispenses sound and practical financial advice to the Filipino Everyman and its charm lies in its use of real, identifiable characters in similar situations. Read this not just to educate yourself on the finer points of mutual funds, stocks and bonds but use it to help your life undergo a much-needed financial overhaul as well. Let this veritable financial bible redeem everyone steeped in debt and afflicted with monetary woes. By heeding Mr. Colayco’s brilliant financial wisdom, we might never have to find ourselves cash-strapped and bankrupt ever again.
PATRICIA STO. TOMAS
Secretary, Department of Labor and Employment
Great book! Excellent advice to prepare for retirement. A must read for everyone.
RAMON Y. SY
President and CEO of International Exchange Bank
Sincere congratulations to Topax and Mary Anne for coming out with this second book, Making Your Money Work: Pera Mo, Palaguin Mo! 2. The stories are of real people in a Filipino setting, making it very easy to understand and appreciate. Do you want to be financially independent? Then you need to follow this book for the time to save is NOW and you just have to Do It! Happy Savings to all!
FLOR G. TARRIELA
Chairperson, Philippine National Bank
