Hi! My name is JoelWelcome to my blog on personal finance! 
You're probably here for either of two reasons:
  1. You’d like to learn more about personal finance
  2. You want to know if I can be trusted to talk about it
On the first statement, I can honestly say that you came to the right place. I write about personal finance and will continue to do so for as long as I want. I find the topic interesting and important.

You can say that I’m passionate about it so much so that I'm willing to spend much of my time pondering, writing and sharing my knowledge about personal finance. 

I base my posts from:

  • Personal experiences &
  • Research
In my writing efforts, I hope to answer some of these questions about money:
  • Why is money important? What do I need to know about it?
  • How can I plan my finances so that I don’t waste a lot?
  • Where can I invest my money for the long-term?
  • Do I need insurance? If so, which one is the best?
  • Are there proven ways that I can save money? Or avoid spending too much?
  • How can I make extra money? Where are the opportunities?
The question now becomes - do you need to read what I write? Can I be trusted about this topic?
To be perfectly honest, I’m NOT a professional financial planner or anything like that.
But I do have some knowledge with personal finance because:
  1. I am a person who spends, saves and invests money
  2. I was a licensed life insurance agent for a multi-national insurance company
  3. I took up accounting, finance & economics courses with my MBA units
  4. I have a few personal experience with several financial instruments (not all)
  5. I read and write about personal finance. I stay up to date.
I’m not saying these are enough to qualify me as an expert in finance. No, these are not enough. 

That’s why I’m not in the business of telling people what to do with their money. My passion is to  just relate what I learn to people who may need it, nothing more.

But with the knowledge, passion and experience that builds as I go along, I stay honest. I do not pretend to know everything that’s why I continue to study. I also welcome other people to contribute to this blog and write about their own stories. Whatever they have to say that can help us better appreciate truly effective habits with money are welcome to post as guest authors.

I am, most of all, a student of personal finance.

So come learn with me!