4 lessons I learned being an express tour guide



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Providing guidance is a sacred calling. I had a chance of taking care of these lovely ladies to different area in Manila (Philippines) Being a tour guide is not a joke.

Here are my top 4 lessons I learned when you need to accompany people from other parts of the nation/globe

1. Always be ready with your answers

You got your itinerary with you and you know the location even you are not a pro make sure to be excellent with what you are doing. Provide answers to different questions and give them a historical emphasis why this place matters a lot. Don't just bring them to the mall and show them how good is that because there is also a large mall in their place.

2. Be sensitive to their needs.

Never forget that you are also in charge to their safety and security. As a tour guide this is a must factor. Every thing that they need must be available and you should know whether they need something else especially when they are thirsty or hungry.

3. Be ready when something unusual happen

The last 3 hours of the tour ended up with a bang. As a man and a tour guide you need to understand that you are the compass to the ladies you are with. Never ever assume that they already knew exactly the location of the airport because that Is your primary responsibility too. Always be calm and never ever lose your composure. Anger will not give you anything but will surely cost you something.

4. Remember to be grateful no matter what happen.

Regardless whether you flunk or passed as a tour guide you need to recognized that it happened for a reason. Gratefulness will changed your perspective towards things. It will give you something to ponder instead of blaming or killing yourself with what happened just choose to be happy and move on. Please make them feel welcome and leave a lasting impression to the visitor.

 

If you have questions send me an email at david_angway@yahoo.com

David Isaiah Angway is a Registered Financial Planner and a Financial Evangelist

3 ways how to honor God with your body

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You are not cheap remember that. 

Our community church had our yearly prayer and fasting. It was awesome because we are believing that we will be experiencing God's goodness not within the past week but this year we are dedicating our lives to Him. 

In terms of honoring your body you need to know first what does it mean by honor. Honor is giving back the 

Now, 

Financially speaking i will elaborate more why you will experience victory over finances once you fully understand why you need to also honor God thru your body

1. Get away from the prostitutes 

Recently I just had my tooth removed and my earphone stuck in both ears as I went back home all of a sudden a guy kept on making gestures. I removed one of my earphone and I asked him to repeat what he just told me. He presented his lovely products, soon i noticed plenty of girls around the corner waiting to be hitch worth 300php only. What I did was to flee away from them. I can't imagine I had an encounter with a "bugaw" a.k.a mamasan in Japanese context. Imagine the worth of medicines that you need to purchase once you get STD's. Please think with me, see how horrible the feeling of not being able to have sex with your lovely wife because of the fear that she might get what you have. For only 300 php you placed yourself in a deep financial and emotional problem 

2. Do not Drink and Smoke all the time.

Every single day many people die because of poor health but you need to understand that you can make your health improve. The leading cause of death right now is because of hypertension and heart disease. Lung diseases and liver cirrhosis is catching up with this trend. Drinking and having addicted to cigars are not just an overnight problem. Remember that in personal finance if 1 pack of cigar is 20php and you are consuming 7 packs a week multiply it in 4weeks then do it again for 12x 

Here's the computation 6720 for a year and if you will invest it in a really good mutual funds that has 12% rate for 10 years 

3. Exercise at least thrice a week

Yes I know. It is uncommon but this year c'mon please be serious. Get out from your comfort zone. Try to improve your waistline and time to remove all those fatty tissues that's covering your six pack abs. :) According to the recent studies with emphasis in research those who manage their health also increase their productivity. I am already doing it and believe me it will also increase my happy hormones that can combat diseases. Less exercise the more chances that you will invite those viruses.

Your body was purchase with a price by the blood of Jesus Christ. 

If you have questions send me an email at david_angway@yahoo.com

David Isaiah Angway is a Registered Financial Planner and highly interested with the topic of behavioral finance

Effective means to develop finance skills

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What is the best investment for young professionals



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The question has a lot of answer and it is really fascinating in terms of finance what we normally consider in investing is the risks and returns in the long run.

Here are the following hot trending answers for all the 20's and 30's 

1. Real estate is the big deal. Yes it is true because of the passive income investors are getting. Looking at Henry Sy's family wealth. They are getting a lot of his cash from those companies/ tenants that's leasing in his property. Many millionaires see this as a big opportunity. SMDC, Ayala Land, Mega World and Robinson's corporation knew this secret.

2. Mutual fund is getting huge nowadays since many Banks or companies are asking first time investors to start as low as 5000php. With the use of cost averaging system sooner or later your funds will grow as big as million in a couple of years if you got discipline.again, if you have commitment to your goals.

3. VUL  or Variable Universal Life for ordinary Filipino who is an average earner having Variable link insurance is already good enough. Since investing is for those people who have the knowledge, time and money then you as an average earner  with a limited time can use this to increase your wealth while you are also getting protected. Variable unit link is an insurance with matching investment. I also consider it as the fully loaded meal of KFC which has a lot item attach to it. 

Looking at it in a different side. Here are the two investment that will give you 100+% return guaranteed.

4. Family and true friends is one of the best investment you will have in your life. All money that you got maybe gone in time but the only thing you got will be your family and real friends. With the right amount of effort, time, respect you will earn more surely.

5.The best investment for me is to start within yourself. Proper Nourishment to all aspects in your life (body, mind, soul) will surely pay off. I already got scam when I was young without reading and asking questions I got easily tangled with all the promises of other people that was to good to be true. After that I learned so much but it was painful.

6. Invest in the next generation. Imagine your kids living in a world that is at peace, no war against each other and people living united as one. That is something that I'm doing now. I am supporting campus missionary using the money that God entrusted me. What the campus missionary is doing is to train the youth to have a change lives. I believed that if we want our society to change soon that should never end to us. We need to invest to them.

The best time to start investing is right now! 

David Isaiah Angway is a Financial Evangelist

 

5 Time wasters of my life

One of the best thing that our God entrusted us is to have 24 hours 7 days a week. Whoever you are and whatever you do we are all equal. Recently I realized that I had lost so much of my time in the past. Here are the list in a non particular order.

1. Sleeping 8-12 hrs a day

I am guilty of this. Everybody loves to rest but the recommended time per person is just 6-8hrs. Exceeding it is going to be a problem especially if you got errands to do or projects that you need to present to your boss. Spending your time is like spending your money. Spending half of your money to the things that's considered unproductive will make you poor.

Solution: Ring the alarm and do your planning for the day. It will surely change your perspective from now on.

2. Watching  too much koreanovela or number 1 series in america

I love Walking dead or How I met your mother but they never added value to me. I am not killjoy but spending my time to things that never give value to me is like turning on the aircon without me experiencing the coldness of it.

Solution: I normally spend 1 hour or sometimes even less than an hour since I noticed the impact of Tv in my life.

3. Facebook for more than an hour just checking my news feed.

Using Social media too much is taking us away from reality. I used Facebook and I have been hook to it. I still remember that 1/6 of my day was checking my news feed or whether someone already liked my post (c'mon you are also guilty on this) but the turning point was when I realized that I am losing so much time that I thought I can still regain it and still be productive but that old time  was not there anymore.

Solution: Checking my news feed for 5mins is good enough for me now and because I noticed 50% of my friendslist are just posting either the food that they ate or their selfie for the day. Right now you see a generation of Me, myself and I. 

4. Traveling via EDSA 

It is really a torture once you travel via this road. A recent study shows every year Philippines is losing millions of dollars because of too much traffic here at EDSA. My place is only 15 mins away from my work but once you reach the most unholy hour which is 4pm till 8pm weekdays i normally stuck for about an hour or forty five minutes. Imagine the time that I lost instead of spending my time in my crib, I was sitting waiting for the traffic to subside.

Solution: listen to any podcast like (Entreleadership) by Dave Ramsey instead of listening to the latest craze in music.

5. Reading online tabloids (dailymail.co.uk) 

Most of us hate but who cares I love reading. I consider it as my favorite hobby since last year but I learned that gossip news is somehow enticing to all of us. We want to learn more about the latest news about the celebrity internationally or what's trending worldwide but the downside aspect on this is we normally spend so much time in other peoples lives instead of focusing on how we can improve our lives.

Solution. READ books about the life of Rags to Riches 

Maybe you are currently figuring out how to manage your time properly and even waking up early just to finish all your project is not being helpful you know what to do, you need to change your behavior towards every moment of your time. Remember to plan and write it down. Lastly put actions to it.

David Isaiah Angway is a Financial Evangelist