Monthly Archives: August 2015

3 ways how to resolve your money problems

Trying to solve your money problems with more money will not help instead it will just magnify the issue. Before you want to fix your money mistakes you need to  do three things. Identify your core values, change your mindset, evaluate  yourself.
Identify your core values is something that we considered as guiding principles that dictate behavior and action. Everybody has a core values but money will never be included in the list. Not even a single organization  that I know focuses on money.  That means money is not the right option to solve your issues with it. You need a deeper and compelling reason beyond money itself. 
Sample core values  Courtesy of
10 Core Values:
1. Deliver WOW Through Service
2. Embrace and Drive Change
3. Create Fun and a Little Weirdness
4. Be Adventurous, Creative, and Open-Minded
5. Pursue Growth and Learning
6. Build Open and Honest Relationships with Communication
7. Build a Positive Team and Family Spirit
8. Do More with Less
9. Be Passionate and Determined
10. Be Humble

Changing your mindset rewiring your brain and building essential habits on how to fix your belief system towards money will play a big role. When  you think money is the root of all evil you are consciously developing a bad relationship with money and won’t achieve financial freedom. If you will train yourself seeing money as a gift or a tool to advance God’s kingdom and help more people then you will found a deeper meaning and purpose why your behavior right now should change. Read more of the bible cause it will enlighten you about the subject of money. 

Evaluate yourself– Many people don’t’ recognize the fact of evaluating yourself can really  help in improving your performance and test your personal integrity. When you are trying to make improvements with your budget, saving money and investing, evaluation is a key to see the growth towards your goal. I highly recommend you to do this every week or monthly to check whether you are gaining efficient skills that you have financially.



1 Timothy 6:8 should be our focus
But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it.  8 But if we have food and clothing, we will be content with that.”

David Isaiah Angway is a Financial Evangelist

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Filed under Mindset, Money Problems

16 amazing quotes about TIME

I am fascinated with SUCCESSFUL people who uses their time very well. They use this as a leverage to get things done and reach their goal as soon as possible.
Here are some of the thought provoking quotes that will remind you how we should look at time.


For everything there is a season, and a time for every matter under heaven: a time to be born, and a time to die; a time to plant, and a time to pluck up what is planted; a time to kill, and a time to heal; a time to break down, and a time to build up; a time to weep, and a time to laugh; a time to mourn, and a time to dance; a time to cast away stones, and a time to gather stones together; a time to embrace, and a time to refrain from embracing; 

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David Isaiah Angway is a Financial Evangelist

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Filed under Time Inspiration, Time Management

Mindset of the Wealthy and Middle Class

Middle Class
Wealthy people
Money is the root of all evil
Poverty is the root of all evil
Action based
Type of Education
Formally Educated
Self educated
Focus on the past
Money belief
Fear based
They Follow
Use of money
Other peoples money
Knowledge about  the Market
Driven by emotion
How to survive
How to get rich
Reading Materials
Novels, tabloids Entertainment Magazines
Friends with
Middle class
Focus on
 Risk Profile
 Thrive in structure
 Thrive in Uncertainty
They think money as
Hard to keep
Self made millionaire  are currently growing in numbers. Steve Siebold made a book (How rich people think)  that summarizes the  mindset of the rich comparing it with the middle class.  He interviewed 1,200 of the world’s wealthiest people during the past 3 decades. He concluded that it’s about the perception and not the money itself.

David Isaiah Angway is a Financial Evangelist

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Filed under Middle Class, Mindset, Perception, Wealthy

10 Questions to ask your financial adviser

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By doubting we are led to question, by questioning we arrive at the truth. – Peter Abelard
  1. What are your qualifications and background in financial planning? – As much as possible you want to check and investigate the credentials of your potential adviser. Trust is the currency of relationships. If you think their competencies won’t work with you. Be honest and decline their services.
  1. What services do you provide? Financial Adviser is a general term that offers a lot of services such as providing a detailed plan for insurance, estate planning, debt resolution and even coaching.  They are preventing you from getting scam. Understanding what they offer will lead to growth of your asset and finding a long term resolution to your existing problem.
  1. How does your faith affect your investment philosophy/strategy and recommendations for clients? Advisers are summation of values, beliefs, habits and  life experiences. Extracting this will give you an idea whether your potential advisers have biases that might not be beneficial for you. If it make sense, it will make sense.
  1. How are you paid? Knowing how your potential adviser will be compensated from their expertise is essential to maintain really good working relationship with them.  
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  1. How much do you typically charge? This will reveal if you can afford them.  Knowing the process on how they charge will give you more ways how to maximize your advisers expertise.  Prepare for this so you can gain more from it.
  1. What products do/don’t you put clients into?   Advisers are expert into looking in a macroeconomic issues and risk mitigation. Advisers should be updating you what current risks you may have. Diversification to gain risk will help you to win long term.
  1. What is your average portfolio size?  Don’t hesitate to ask this because advisers  will share their current achievement thru this way. Many people trust them so this means it is a plus factor that you just don’t give your money to someone who will run it whenever they want. 

  1. What resources do you have to address issues outside your area of expertise? I love people who are creative when it comes to maximizing their resources. Asking this will reveal how they will exceed your expectations in the long run. Will they be happy to collaborate with someone just to simply make you happy?  
  1. How do you communicate with clients? How often? Constant follow up will play a big role when it comes to building your wealth. As a client you would like to have an excellent customer service thru communication especially when your investments in stock market or mutual funds are going down.  Informing  you the best strategy will help you to be more equip.
  1. Will I work with anyone else in your office? Collaborating with other people in taking care of clients is good but with proper endorsement this will be excellent. Your potential advisers may not be jack of all trades but they are master of something and that is what you want. Your adviser knows a lot of people so he/she can ask someone too work with you to win long term.

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David Isaiah Angway is a Financial Evangelist

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Filed under Epic, Finance Tour, Financial Coach, Financial Evangelist, Tour Guide

Financial Planning for awesome single moms


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I just want to honor all single moms out there who never grew tired of taking care of their kids while managing their finances. I hope this will give you clarity. Not all single moms are in a similar situation but these are my recommended items in your personal finance kit.  This is a multidisciplinary approach that includes spiritual, mental, emotional and social aspects as we explore the world of financial planning. It will take a lot of your time to master everything but the process is worth it.
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Get closer to God You may either have sufficient funds or not but without peace inside you won’t last this journey. Tough battles are ahead of you but being with God will keep your sanity within. Many single moms are distress with too much stuff in their minds. Without faith to the One who holds the future you may end up in chronic depression that may lead into suicidal thoughts. According to circleofmoms.comthe most common problems of single moms are no sounding boards when making decisions, taking care of the kids without someone to consult with during the middle of the night. You are not on your own. God cares for you His daughters no matter what happens specially with your life .

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Decide what you really want in life  Remember that you are still alive and not dead, dream more for yourself. Your self- concept should not focus on your past rather focus on what you can achieve. You need to get back up because you were born to be a champion.  You might be in a tight budget right now but again once you try to focus how to look for the opportunity things will turn out differently, finances will surely be positive. Lack of money doesn’t mean scarcity of favorable circumstances. nothing beats you when you Decide NOT to  glorify the past.
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Talk to a legal expert  In the family code of the Philippines it says that whether you got a legitimate or an illegitimate child, the father should be responsible in supporting your kids financially. This is not voluntary but a responsibility of the father. Never be afraid to ask for financial support because your child deserves it. Dismiss the issue with the father and claim the rights of your beloved child. Withholding the father from supporting won’t make the situation better. Single moms are  often smart, hardworking and a champ! Do not let those guys who messed up with you,continue living the way they want to. Let them be involved. Talk to the public attorney’s office Philippines. They can help you answers with your questions.
Support is defined under the Family Code of the Philippines (1988) as follows:
Art. 194. Support comprises everything indispensable for sustenance, dwelling, clothing, medical attendance, education and transportation in keeping with the financial capacity of the family.
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Master the art of budgeting Doing this means understanding more about your priorities in life. As a single mom you will always juggle a lot of things. You will always be in lack when you don’t organize your money. The best friend of chaotic life is  a troubled plan.  I suggest you to have fun with a personalize excel file or an app that will remind you the allocation that you got for this week. You can experiment and analyze your behavior towards it. It’s like looking in a mirror.  As a Financial Planner I used an excel file to keep me on track. I visit it everyday for 2-3 mins and this keeps on reminding me about how I manage my funds well. Again it is a matter of preference, whatever fits you and make you progress, go for it.
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Create an emergency fund  There will be an earthquake that may shake  your life  but most of the time you don’t know when this will happen. That’s the principle behind the emergency fund. This will prevent  you to be in debt and beg from other people when you encounter this kind of emergency. Preparation is the key. If you are currently saving some funds make sure to name that account. Study the behavior of   billionaires, entrepreneurs because they know the value of this. When you get your paycheck, transfer automatically at least 5-10% of it. Build it on time and you will have an umbrella when it pour it all out.
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Get an insurance  When you die accidentally without any safety net your immediate family especially the young ones will suffer. Think about your kids future. If you will use the cost benefit analysis, You will only pay for a certain amount so that you can be covered with a bigger amount that can help your love ones survive. Nothing can replace you, especially the joy that you bring while you are still alive but you will take that away when you suddenly demise. Insurance will give them a way to start a new life knowing that you cared for them. This will help them back  up. For more info about the legitimate insurance companies check the insurance commission.
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Long term financial goals   In order for you to win long term you need to act and think long term.  Your kids are looking up to you, they are inspired to see you waking up every single morning working hard. Look at yourself 10-20 years from now. What are the aspirations that you want to attain. Heller Keller said “The only thing worse than being blind is having sight but no vision” Don’t look too much with the  side mirror. Look at the windshield. Your life is much more bigger.
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Credit card debt  Never ever use your credit card as your emergency fund.  If you are already in debt don’t lose hope. There are a lot of ways how to take care of those things. Talk to someone who is financially inclined. Don’t talk to your family members or friends who are also broke. They will not give you the best advice to win.  Just find a winner who have gone the same issue and found a way. Keep asking. Look for forums. Use the internet and the mighty power of google. There a re a lot books who talks about debt.  U2 said  a famous line Sometimes you can’t make it on your own.
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Invest in the education of your kids  After you carefully manage to put up emergency funds, eradicate debt and built your savings. Yes, you can still invest long term. Beware of scams  and always check the legitimacy of the company.  As early as your child was born whenever you have extra resources put it  to a mutual fund specifically to an  equity fund. Historically our funds in the Philippines are doing great. Even at the peak of financial crisis we were able to recover.   
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Find support from a community. Life will knock you down but remember that you have your own tribe.  You are designed to be with a community who will support, love, hug , cry out with you when you are on your lowest point. When you are highly emotional you will commit  more mistakes including on handling on your finances.  When you are confuse with your situation there are mentors, friends, encouragers, winners  who can help you. This will prevent you from losing more money and manage the funds while you are enjoying the journey of single motherhood.  After all the struggles  with your finances  there’s a light at the end of the tunnel..
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Be an entrepreneur or ready to change your career  Nothing is certain specially in your career. You try to embrace the fact that you have a higher calling. Being a single mom should not confine you within the box of your current situation. You got dreams that you want to achieve like baking, making lovely dresses, selling your coaching services. Whatever makes you productive please pursuit it.
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Self evaluation  You got the most awesome job in the world and like any other job there’s always this performance evaluation.  Rest days should be for self reflection. This is mandatory and not optional. Evaluating yourself will give you opportunity to drive your finances to the next level and prevent common mistakes.
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Create a will or trust   This is related to estate planning. Never underestimate this tools. It is really important for you to have a knowledge with this to make things easier for you once uncertainty take place.  According to Elder Law Answers,  A will is a document that directs who will receive your property at your death and it appoints a legal representative to carry out your wishes. A will covers any property that is only in your name when you die and it allows you to name a guardian for children and to specify funeral arrangements.  
A trust can be used to begin distributing property before death, at death or afterwards. It is a legal arrangement through which one person (or an institution, such as a bank or law firm), called a “trustee,” holds legal title to property for another person, called a “beneficiary.” A trust usually has two types of beneficiaries — one set that receives income from the trust during their lives and another set that receives whatever is left over after the first set of beneficiaries dies. a trust can be used to plan for disability or to provide savings on taxes.
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Teach your kids about money   Kids look up to you everyday. Being a role model will create an impact to them. Once you neglect to explain to your child the way you spend they will immediately assume something. When gray area struck confusion sets in. Remind them about your inner values and priorities in life so they can put the money in a proper place..
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Romans 5:3-5 ESV

More than that, we rejoice in our sufferings, knowing that suffering produces endurance, and endurance produces character, and character produces hope, and hope does not put us to shame, because God’s love has been poured into our hearts through the Holy Spirit who has been given to us


David Isaiah Angway is a Financial Evangelist

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Filed under Conventional Wisdom, Financial Evangelist, Financial Planning, Invest, Personal Finance, Single Mom, The Best Mom, Win Long Term

Important tips behind saving money

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Personal Finances is not about your money itself but it’s about your behavior towards it. There a tons of reason why people save but the concept of saving is  insanely simple yet not easy to achieve. It will be really hard for someone to save without this big motivation. Imagine yourself waking up feeling lost. A restless wanderer without a purpose. Saving money is like going to the gym knowing you are out of shape, but without the sense of  urgency you won’t even  start doing it. Your why starts with you. No one can push you hard aside from you. I believe that this is the year that you can change your financial life through changing your perspective.
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Clear purpose 
Your why is like the fuel to your car, without it you won’t last. Your aim is to save money for the future endeavor it might be for emergency, business or for a house etc. Try to reflect and ask yourself again and again the reason you need to save some funds. This will not be easy. Again, when you can’t identify your reason that is anchored to your core values it will be harder for you to accomplish goals you have in mind. Successful people know why they’re doing what they’re doing. 
Recommendation: Ask yourself deeply about the purpose of money that you have. Name every single cent, whether it is big or small everything has a purpose. Do this everyday and you will create a powerful habit that will last for a lifetime. Remember when you meet God someday He will ask you “what have you done with the money I gave you?”. 
Luke 16:11 ESV If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches?
This is the backbone of your financial life when everything is falling apart. There will be bumps on  the road. Your dreams will be derail once you don’t have this tenacity inside. After saving for 4 weeks and seeing your savings  account getting bigger you suddenly stop, what a crazy way to loose the momentum you built. After a couple of weeks of  not wasting your money and exercising your patience, you  suddenly cheat yourself with the ultra mega SALE. When your weak will and old habits knocks you down,  try to get back up asap. 
Recommendation:  Learn from you old ways. Create an action plan. Tell yourself that you want to win. You are not average but you are the master of your money and not the other way around.
Proverbs 13:11 ESV Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.
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Decide to be different. When I’m interested with something I go for it but when there are a lot of brick walls in front of me, commitment showing up. Those walls are the symbol of how much you badly need it. It is a matter of life and death. Are you willing to go thru the series of test just to pass that wall or when you face that great wall you just stop and accept it that there’s no way you can go through. Are you willing to act broke so you can be rich?
Recommendation: Do it, desire it everyday. You are committed to win not just today but a lifetime. Consciously fight till the end. 
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2 Timothy 4:7 ESV I have fought the good fight, I have finished the race, I have kept the faith.
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The habit of saving money is like an archery contest, you want to hit the bulls eye every time but it will take a lot of adjustment if you are NOT used to it.

David Isaiah Angway is a Financial Evangelist

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Filed under Clarity, Determination, Habits, Money, Purpose, Save, Savers, Success, Win Long Term