FilipiKnows

07/04/2025

07/04/2025

🔥This book exposes a truth we’re all avoiding:

YOU’RE NOT TRULY WEALTHY IF YOU’RE MENTALLY BROKE.

✨We spend our lives chasing money, thinking it’ll solve everything. But Sahil Bloom flips the script in his book the 5 types of wealth stating- “wealth isn’t just financial.” He breaks wealth into five powerful dimensions: financial, social, physical, mental, and time.

✨This book hits hard because it speaks to the modern hustle culture, where we glorify being busy, but forget to live. It makes you pause and ask: Am I truly wealthy, or just surviving with a full wallet and an empty life?

✨Quick to read, impossible to forget.
If you’re constantly on grind mode, this book will change what you chase.

✨If you’re chasing success but feel like you’re losing yourself along the way, read this. It might just change your definition of wealth and success forever and help you build a life that actually feels rich.

[wealth, social wealth, mental wealth, physical wealth, well being, financial wealth, 5 types of wealth, non fiction books, books, bookstagram, self help]

07/03/2025

By age 30, you need to cultivate these financial behaviors if you want to be a decade ahead of your peers.

1. Cultivate a Growth Mindset
- See challenges as opportunities to learn and grow, especially in your financial journey.

2. Master Your Spending Habits
- Understand where every dollar goes to make intentional choices, avoiding impulse spending that derails goals.

3. Build a Strong Network
- Your connections are a form of social capital that can lead to unexpected financial and career opportunities.

4. Prioritize Investing Early
- Harness the power of compound interest by starting your investment journey as soon as possible.

5. Understand Tax Efficiency
- Learn how to legally minimize your tax burden and maximize your take-home pay through smart financial decisions.

6. Develop High-Income Skills
- Continuously learn and refine skills that are in demand, allowing you to command a higher salary or start a lucrative side business.

7. Create an Emergency Fund
- Build a safety net of 3-6 months of living expenses to protect yourself from unforeseen financial setbacks.

8. Regularly Review Your Financial Plan
- Your financial goals and circumstances change; review and adjust your plan at least annually.

07/03/2025

Architect advice house dreamers.

Before you manifest your House in 2024! You need to know these.

1.If you want convenience, buy a house and lot. You can move-in right after the turnover.Less hassle than building from ground zero.

2.If you have a parcel of land/lot, initially you would want to get an Architect to design your home. The technical plans (Architectural to engineering design) will be handed over to you. (Blueprints, specifications and bill of materials etc.)

3.The probable cost of the house construction will be given to you by your Architect. (30k to 45k per sqm is the most realistic cost)

4.The house can be built by reputable contractors through bidding (3 contractors are recommended then select 1)

5.After choosing the builder, you need to comply with the PERMITS such as building permit, barangay permits, fire safety evaluation certificate etc. (Refer to your local government for requirements)

6.Compliance with these, we can now start your house construction. Bring your deep pockets na.

7.Always keep in mind to hire a third party project manager if you're not a technical person in relation to construction. Your architect and engineer can always help you.

8.Remind yourself,structural work is expensive, architectural finishing is luxury. 😄

9.Keep your budget in check, progress billing of your contractor must be aligned to the actual accomplishment.

10.As the owner,you also have the responsibility to pay what's completed progress.

11.If you have changes to the actual work that's not specified on the plans, the contractor has the liberty to ask for additional cost. This is called "change order/variance".

12.Along the way you will be having delays, it may be the cause of your decision making or the contractor's delay due to various instances. Just in case this happens, add a clause to your contract for "liquidated damages". This corresponds to the cost of delay each day.

13.When choosing materials, seek for the quality made. It's your lifetime investment,not just a mere cheap one. If money is not a problem, "top of the line specs", i suggest 😄 Don't take your chances to substandard-china made faux.

14.Aesthetic is ok, function is better.

15.When dealing with contractors and engineers you need to acquire the harmony of collaboration. Para walang sa sakit sa ulo, build trust and rapport.

16.Peace of mind is the product of hiring professionals.

17.Professional's duties of building your house.
Architect - Predesign, design and construction
Project manager - Design to construction
Contractor - Construction to post construction
Property manager - Post construction

18.Your house must have a warranty,it must be agreed upon if how long, 3 months,6 months or 1 year.

19.Workmaship and material defects are okay for warranty. But if you caused the damage to the components, it may fall under additional charges.

20.Your house is done and you want to design/decorate your interiors,ask for the help of an Interior Designer, they are the expert on this field!

21.Make your house smart, purchase energy efficient appliances and control everything through wireless fidelity. Don't forget sustainable energy from solar panels.

22.Maintain your house brand new, schedule yearly house maintenance cleaning,monthly utility check and upscaling to quality material finishes.

23.Always remember this, a house is a liability if it doesnt give you revenue.

24.Last but not the least,small or huge, make your house a HOME of memories.

Ccto
Raw House Architect

07/03/2025

SOME LESSONS ON FINANCES

1. Must have EMERGENCY FUND - enough for 6 months of expenses/current lifestyle.

2. SAVE MONEY, and MONEY WILL SAVE YOU. Don't save what is left after spending. Only spend what is left after saving.

3. Best to have ZERO DEBT, if you can't pay cash, you CAN'T AFFORD it, nothing beats PEACE OF MIND.

4. Avoid unnecessary spending, forget the sale price, everything is 100% off when you don't buy it. Don't waste your money on things that you don't need, even if they are cheap. EVERY PESO COUNTS!

5. Learn to BUDGET - it is telling your money where to go instead of wondering where it went!

6. If we buy things that we don't need, we will have to SELL THINGS THAT WE NEED.

7. PRETENDING TO BE RICH can make us poor. Must learn to live BELOW MEANS. Don't go broke trying to look rich. ACT YOUR WAGE.

8. MONEY IS NOT EVERYTHING, but we cannot deny the fact that we NEED money for our FAMILY.

9. Always have a BACK-UP PLAN for life's uncertainties.
Start having your personal LIFE INSURANCE with INVESTMENT.

10. Let's break the TOXIC FAMILY CULTURE about
FINANCES. Your children are not your retirement fund, and your parents are not your emergency fund.

Ccto ✨

07/01/2025

SOFT SKILLS OR INTERPERSONAL SKILLS.

DEFINITION.
- Soft skills are non-technical skills that relate to how you work. They include how you interact with colleagues, how you solve problems, and how you manage your work.

How Soft Skills Work.
Soft skills relate to how you work. Soft skills include interpersonal (people) skills, communication skills, listening skills, time management, problem-solving, leadership, and empathy, among others. They are among the top skills employers seek in the candidates they hire because soft skills are important for just about every job.

Hiring managers typically look for job candidates with soft skills because they make someone more successful in the workplace. Someone can be excellent with technical, job-specific skills, but if they can't manage their time or work within a team, they may not be successful in the workplace.

Another reason hiring managers and employers look for applicants with soft skills is that soft skills are transferable skills that can be used regardless of the person's job. This makes job candidates with soft skills very adaptable and flexible employees. Alternate names: Interpersonal skills, essential skills, noncognitive skills.

Example of Soft Skills
Soft skills are particularly important in customer-based jobs, for example. These employees are in direct contact with customers. It takes several soft skills to be able to listen to a customer and provide that customer with helpful and polite service.

Types of Soft Skills.
Soft skills include the personal attributes, personality traits, and communication abilities needed for success on the job. Soft skills characterize how a person interacts in his or her relationships with others.

Soft skills include:

Adaptability
Communication
Compromise
Creative thinking
Dependability
Leadership
Listening
Work ethic
Teamwork
Positivity
Time management
Motivation
Problem-solving
Critical thinking
Conflict resolution
Negotiation

How To Get Soft Skills.
Unlike hard skills that are learned, soft skills are similar to emotions or insights that allow people to “read” others. These are much harder to learn, at least in a traditional classroom. They are also much harder to measure and evaluate.

Job Training Programs.
Some job training programs cover soft skills. They may discuss soft skills so job seekers know what they are and the importance of highlighting them on their resumes. There are also free online courses that can help you improve your soft skills.

On-the-Job Training.
If you've been working for a while, chances are you've already developed some soft skills. For example, if you've worked in retail, you've worked in a team environment. If you've helped unhappy customers find a resolution, you've used conflict resolution and problem-solving skills.

Education and Volunteering.
If you're new to work, think of other activities you've done, either through school or on a volunteer basis. Chances are you've had to communicate, adapt to changes, and solve problems.
You can also reflect on the soft skills you need to develop. For example, instead of just discussing problems with your manager, suggest solutions to those problems. If you see a colleague struggling, offer to pitch in. If there's a process that could improve your workplace, suggest it.

06/30/2025

You can purchase a house, but only your habits can make it a home.

You can buy luxury, but only simplicity brings peace.

You can afford a wedding, but only commitment builds a marriage.

Money brings comfort, but mindset creates value.

Upgrade your inner world—so when your outer world expands, you're ready.

Because what you have will only grow as strong as who you've become.

06/30/2025

💡

06/29/2025