The life of a person is very uncertain. It is believed that each and every day a man live, he is putting his own self in the verge of danger. Not to be very tragically thinking, but the mysteries of life decides the fate of people.

The loss of one can affect his or her whole family may it be emotionally, psychologically, and even financially. Financial effect has been aided by the growing insurance industry. One of the largest life insurance providers is Fortune Care.

Last October 18, Fortune Care held its 2013 Sales Planning Conference at the Manila Grand Opera Hotel. The said event was an important event for Fortune Care in developing their sales strategies and product marketing. It is the proper venue for their General Agency Managers (GAMs) and other agents to be motivated in gathering more clients who will purchase their life insurance.

The Colayco Foundation for Education, Inc. was asked to hold a seminar that will help make the agents more enthusiastic in enlarging their production. This will mainly be beneficial for them to grow their commission further and, at the same time, to make them feel more secure in their everyday lives.

Mr. Armand Q. Bengco facilitated the talk. To set a wealthy mindset, Mr. Bengco started off by discussing financial management. He also got the common practices that are not a good use of the money earned by the participants. A participant shared that annually, he builds up a fund for his birthday where he put it in a “kahon.” For Mr. Bengco, it is a wrong use of money and he shared his similar experience that he learned by making money grow using various investment instruments. He introduced investing as a good way of making them wealthy

In the concluding part of the seminar, he encouraged the participants to be more productive in their work because procrastination and mediocrity will surely reverberate in the future.

Want to improve your employees’/personnels’ production? Give us a call at 637-3731 or 637-3741. Look for Mr. James Gonzales.

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Gift of WEALTH


Promo: Php 780 instead of Php 1325

Inclusive of:

- Wealth Within Your Reach! Pera Mo, Palaguin Mo!

- Money Work For You! Pera Mo, Palaguin Mo 2!

- Money For Kids

- Pera Mo, Palaguin Mo! Workbook

- PISObilities: Gabay Sa Buhay Pinansyal

Mode of Release:

- Pick Up at CFE Office (Unit 807 City State Centre, 709 Shaw Blvd. Pasig City

- By Courier:

Metro Manila and Luzon: Php 150

Visayas and Mindanao: Php 200

Hongkong: Php 1200

Saudi Arabia: Php 2000

Qatar: Php 1900
Singapore: Php 1500
Japan: Php 1500
Dubai: Php 2100
Macau: Php 2000

(We will process transaction when payment is settled)

For Reservations:

Email or SMS 09178088857

Please indicate the following:

- Complete Name

- Mailing Address

- No. of set/s

Payment Mode:

I. BPI Bank Deposit

    • Bank of the Philippine Islands (any BPI branch)
    • Account Name: Colayco Foundation for Education, Inc.
    • Savings Account #: 0203-2507-97
    • Fax to +632 637 3731 or email & scan to
      • Valid Deposit Slip
      • Your Name
      • Your Contact Number and Email Address

II.  CLICK THIS LINK TO PAY THRU 7 ELEVEN OR MHLHULIER (With courier charge: Metro Manila and Luzon)

       CLICK THIS LINK TO PAY THRU 7 ELEVEN OR MHLHULIER (With courier charge: Visayas and Mindanao)


III. CLICK THIS LINK TO PAY THRU ON LINE CREDIT CARD (With courier charge: Metro Manila and Luzon)

        CLICK THIS LINK TO PAY THRU ON LINE CREDIT CARD (With courier charge: Visayas and Mindanao)

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The True Cost of Ignorance

by: Arthur Noel B. Ladaga

Twenty four hours ago, the entire country was in grave shock regarding a huge financial scam. Aman Futures Trading Group, a fraudulent investment company that operated in Pagadian City, was reported to have gotten away with P12 billion and left the country. The proper authorities are continuously tracking down the culprits hoping to bring them to justice. Department of Justice Secretary Leila de Lima recently ordered the Bureau of Investigation to continue its search for the culprits, especially its leader Manuel Amalilo.

Ever since August of this year, the people of Pagadian City had been clamoring to have their money return to them. Blinded by a false promise that their money will double in a couple of days, most people “took the opportunity” immediately without properly assessing the investment as a whole. After just a few days, all of their money just vanished like thin smoke. Some are still hoping that it will be returned and the culprits be brought to justice. Others have locked themselves into deep hopelessness and despair.

Armand Q. Bengco, the Executive Director of the Colayco Foundation for Education, shares his thoughts behind the recent “financial tragedy.” According to him, the tragedy can be explained in two words: FINANCIAL IGNORANCE. One of the basics of investing is that an investment opportunity that is “too good to be true” should be avoided AT ALL COSTS. If it promises returns that are beyond the normal, it is often too good to be true.

He also highlighted the real definition of investing. “Investing is a commitment to use money to expect, hope, or pray to make more money based on a long term goal,” he said. Investing also involves knowing one’s purpose, target, and time even before starting. Knowing one’s financial objectives gives direction to any investing endeavor. Without it, any investing effort is likened to blind spending!

The most important thing to remember, according to Mr. Bengco, is becoming a risk-focused investor. What ultimately determines an investment’s success is not the return it gives but how it is managed. People nowadays are blinded with false promises of high returns that they do not concern themselves with the risks. If something unfortunate happens to their investment, they suffer greatly. Managing the risks helps achieve a higher average of returns in the long run. It also mitigates the possible risks that might occur.

Just a few hours ago, the Philippine Daily Inquirer reported that a retired teacher from Pagadian City committed suicide. Burdened with the realization that he lost so much money, he decided to end everything in an instant. Poverty has a strong grip in the hearts and minds of many people. They are willing to sacrifice almost anything just to get away from it. When a “promising opportunity” comes to them, they grab it immediately without proper assessment. And when they realized that it was a false promise, they end up worse than before.

Poverty may be the torturer to most people, but it is FINANCIAL IGNORANCE that ultimately kills. FINANCIAL LITERACY is the primary remedy to combat FINANCIAL IGNORANCE and prevent such a financial tragedy from happening again!

FIGHT FINANCIAL IGNORANCE NOW! Want to have a financial seminar to your community or work place? Call 637-3731 or 637-3741. Look for Mr. James Gonzales for more details.


Alipala, J., & Umel, R. (2012). Teacher kills self after losing all his money in scam. Inquirer Global Nation.
Retrieved from

Carvajal, N. C. (2012). Thousands duped in P12-billion scam. Inquirer Global Nation. Retrieved from


Arthur Noel B. Ladaga is the current Programs Officer of Colayco Foundation for Education.

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CFE at Mead Johnson Nutrition

Mead Johnson employees enjoying the educational but light-hearted seminars

People often think that nutrition is limited the food and drinks that they take. In reality, a healthy well-rounded person also takes a healthy dosage of financial literacy.

Last October 29 and 30, the Colayco Foundation held a Pera Mo, Palaguin Mo workshop in the head office of Mead Johnson Nutrition in Makati City. Mead Johnson is one of the top baby nutrition companies in the country. Ms. Guita Gopalan and Mr. Armand Bengco conducted the seminars for two sessions each day for the different employees of Mead Johnson.


Ms. Guita Gopalan giving the talk during the first day

The employees were nourished with all of the financial lessons and realizations they got from the seminar. They took into mind and heart the importance of growing their money and to prepare well for their retirement. They realized that whatever stage of life they are in, their obligation to wealth starts NOW!




Want to nourish your personnel with a healthy dosage of financial literacy? Call us at 637-3731 or 637-3741. Look for Mr. James Gonzales for more details.

The participants having fun with Mr. Armand Bengco

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