The Finance Engineer

The Finance Engineer Our mission is to help every Filipino build and secure a bright future through financial education.

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👉🏼 https://www.facebook.com/mjnclemente

Hard work is the key to both success and fulfillment. It leads to guaranteed achievement. ☝🏼
06/02/2023

Hard work is the key to both success and fulfillment. It leads to guaranteed achievement. ☝🏼


10/04/2022

Financial freedom isn’t just about being in-control of your present and short term plans. Financial freedom is about being in-control of your future like emergency expenses, unforeseen events (sickness, accident, disability, or untimely death), or retirement. Remember to always have your contingency plans.


Setting small goals will help build your confidence. Learn how to explore and evaluate all possible outcomes rationally ...
09/04/2022

Setting small goals will help build your confidence. Learn how to explore and evaluate all possible outcomes rationally and develop contingency plans; and practice thinking positively. By moving forward slowly but steadily, you'll begin to overcome your fear.


Did you know? 🤔At dawn on April 9th 1942, Major General King, of the United States Army was forced to surrender his forc...
08/04/2022

Did you know? 🤔

At dawn on April 9th 1942, Major General King, of the United States Army was forced to surrender his forces of over 76,000 Filipino, Chinese and American soldiers to the Japanese.

Unprepared for the number of prisoners, the Japanese decided to walk the prisoners 150km to a prison camp in San Fernando. Over 20,000 prisoners died on this march either through starvation, exhaustion or at the hands of the Japanese. The trek became infamous as the 'Bataan Death March'.

While the holiday marks an event which was a victory for the opposing forces, the heroic defence of Bataan by those soldiers was seen as a key event in the war, as it allowed the allies time to prepare for later battles which halted the Japanese progress in the pacific and eventually led to a turn in the fortunes and allied victory.

The Bataan peninsula was eventually retaken by American and Filipino forces on February 8th 1945.

In 1961, April 9th was declared Bataan Day. In 1987, it was renamed officially as 'Araw Ng Kagitingan' (Day of Valor) to pay tribute to those who defended Bataan, Corregidor and Bessang. From 2007, the holiday was designated to be observed on the Monday nearest April 9th, but since 2009 a yearly presidential decree has meant it is observed on April 9th.

Source: https://www.officeholidays.com/holidays/philippines/the-day-of-valor



What one small thing do you think you can do in a great way? Something that could help you grow, connect with others, or...
08/04/2022

What one small thing do you think you can do in a great way? Something that could help you grow, connect with others, or enrich your life in general? Think about that. 😉


Letting anger fuel your life can be self-distructive. If you can't forgive yet, at least do not seek revenge. Explore th...
06/04/2022

Letting anger fuel your life can be self-distructive. If you can't forgive yet, at least do not seek revenge.

Explore things.
Find your passion.
Focus on your goals.
Seek for your purpose.
Look for what makes you happy.
Pray for discernment and clear direction.

Remember that your emotional and mental health is more important than other people's opinion about you. Take good care of yourself and keep going, Braveheart.


Florida has already started it! The students will learn about the types of bank accounts offered, how to balance a check...
01/04/2022

Florida has already started it!

The students will learn about the types of bank accounts offered, how to balance a checkbook, money, debit and credit card management, how to complete a loan application, receiving an inheritance, personal insurance basics, how to do your taxes, lessons on local tax assessments, interest rates, simple contracts, contesting an incorrect bill, state and federal laws, and ways to save and invest.

~ https://tinyurl.com/3584rxar

Imagine the impact of this for the next generation. ✨

Just a piece of advice. 🧏🏼‍♂️Once you receive your 13th month Pay or Christmas Bonus. Bayaran mo ang taong nagpautang sa...
16/11/2021

Just a piece of advice. 🧏🏼‍♂️

Once you receive your 13th month Pay or Christmas Bonus. Bayaran mo ang taong nagpautang sayo noong panahong gipit na gipit ka. Yung taong hindi nagdalawang isip na tulungan ka dahil kaibigan ka nya sa hirap man o ginhawa. You promised to pay but you failed and promised again. He/She trusted you and lend his/her hard-earned money for you to survive. It is time for you to do your part.

Save your relationship with the person whom you owed money. Money can be earned anytime, but the trust once broken will leave a permanent mark the rest of your life. Alalahanin mong hindi lang pera ang pinahiram sayo, kundi pati yung tiwala ng tao. 😉

Kung wala ka naman utang, nothing's wrong if you pamper yourself once in a while. But remember to spend a portion of your money wisely. Invest into something your future self will thank you for. Let that money work for you atleast sa loob ng isang taon, may tamang desisyon kang nagawa sa buhay mo.

Advance Merry Christmas. 🎄🎅🏼



Dun tayo sa long term investment 😉
11/11/2021

Dun tayo sa long term investment 😉

Saan mapupunta ang bonus mo? 🤔May plano ka na ba? 😉
09/11/2021

Saan mapupunta ang bonus mo? 🤔
May plano ka na ba? 😉

Bill Gates explains why his daughter can't marry a poor man. A few years ago I attended a conference in the US on invest...
29/10/2021

Bill Gates explains why his daughter can't marry a poor man.

A few years ago I attended a conference in the US on investment and finance. One of the speakers was Bill Gates and in the Q & A phase I asked him a question that made everyone laugh.

If He, the richest man in the world could accept his daughter marrying a poor or modest man. His response turned something into me.

"Billy,

First, understand that wealth doesn't mean having a busy bank account.

Wealth is first the ability to create riches.

Example: Someone who wins the lottery or games of chance. Even if he makes 100 million is not a rich man: He is a poor man with a lot of money, that's why 90 % of lotto millionaires go back to being poor after 5 years.

You also have rich people who have no money. Example, Most entrepreneurs.

THEY are already on the road to wealth even if they don't have money, because they are developing their financial intelligence and that's wealth.

How rich and poor are different:

To make it simple: The rich can die to become rich, while the poor can kill to become rich.

If you see a young person who decides to train, learn new things, try to improve constantly, know that he is a rich man.

If you see a young person who thinks the problem is state, and who finds rich people are all thieves and constantly criticizing, know that he is a poor man.

The rich are convinced they just need information and training to take off, the poor think others need to give them money to take off.

In conclusion, when I say my daughter will not marry a poor man, I do not talk about money. I'm talking about this man's ability to create wealth.

Excuse me for what I'm going to say, but most criminals are poor people. When they are in front of money they lose their minds that's the reason they steal, robbery etc...

It's a grace to them because they don't know how they could make money on their own.

One day, a bank's guard found a bag full of money, he took the bag and went to hand it over to the bank manager.

People called this gentleman an idiot, but actually this gentleman was just a rich man who had no money.

1 year later, the bank offered him a receptionist position, 3 years later he was in charge of customers and 10 years later he manages the regional management of that bank, he manages hundreds of employees and his annual bonuses exceed the amount he could have stolen.

Wealth is first a state of mind my friend.”

From Dr. King House

Financial Planning 101 🧏🏼‍♂ Classic example of INFLATION.20-30yrs ago ganito lang ang presyo ng gasolina, fast forward t...
24/10/2021

Financial Planning 101 🧏🏼‍♂

Classic example of INFLATION.
20-30yrs ago ganito lang ang presyo ng gasolina, fast forward today nsa 58php/liter.

This means through time, bumaba ang purchasing power ng pera, nagmamahal ang mga bilihin. And the only way to beat inflation is through investing.

Hindi po kakayanin ng pag titipid ang epekto ng Inflation.

Imagine kung ang pera mo nsa banko lng with 0.25% or 0.125% interest rate (mas mahal pa ung pinamasahe mo sa tricycle kesa sa kita ng pera mo🤦🏻‍♂️) versus sa mas mataas na inflation rate na 3%-4%. 😢

Start investing now. Gano man kaliit ang mahalaga you start now! Know your options.
Let me help you get started. 👨🏼‍💼

Your Finance Engineer,

Engr. MARTIN JOSEPH N. CLEMENTE
Licensed Financial Advisor & Associate Financial Planner

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Tarlac
2300

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